I think the best way to answer that question for your own families needs is to check out menus at Allearsnet.com and put some pricing information together for what you would eat. Originally we planned on not doing the dining plan and looking at prices for 2 adults and 2 children we figured we would wing it and be eating alot of burgers and chicken nuggets and fries... alot of counter service meals. Depending on how many of you and length of stay = cost of dining plan. We are now booked with the dining plan and after alot of math work figured out that the money we would have spent on junk food is about the same we would have paid to get the dining plan in the 1st place. Much better food options - sit down meals, character meals, buffets and more!

If we were to pay out of pocket for what I have now reserved the food would total around added counter service approximates, snacks, and table service estimates to = $2200.00 !!!
Purchasing the dining plan was approx 910.00 - thats a big savings!!!
Decide how you want to eat, where you want to eat, check into pricing and see if it's feasible. You are alloted so many TS, CS meals and snacks. From what I have seen on here those meals don't have to be kids meals at TS - order a adult meal and split it with 2 kids if light eaters. TS can be split too.
The nice thing for me is that I know going into the parks that 90% of the food is covered. We may pick extra snacks or snakcs outside the plan or breakfast or whatnot but will not have to bring extra cash just for food.
Either way - with dining plan or without you are traveling in a busy time so would definitely make any ADR's that you absolutely must get ahead of time. Hate to disappoint a kid if they thought they could eat at the castle only to be told no. Also wait time for a walkup at table service could be 75 minutes or longer!!
