We just returned from a 4 day trip with the dining plan for 3 adults and one child.
All three adults agreed that it was worth it for the following reasons:
1. Paid for in advance, so no "budgeting" while you are there. (And I have to say...... if I had budgeted each meal and only ordered cheaper items without appetizers or desserts..... I probably still would have approached $35 per day per adult, and definitely the $10 for my child, considering that snacks in the park are around $3 each).
2. Having paid for it, you are less likely to skip meals in favor of rides or shows, which can lead to blood sugar crashes and crabby kids (and crabby adults, for that matter). We found we were happy to be "forced" to sit down for a meal once a day while we were there. (I personally found breakfast or lunch were better for sit-down, rather than dinner, b/c you tend to push yourself all day, and then you are exhausted when you get to a late meal. Better to eat during the day, doing parks before and after, giving yourselves a little break from all the fun).
3. You don't hesitate to get the kid that cute mickey ice cream thing that you would HATE to shell out $3.50 for without the dining plan.
4. We ate at more expensive restaurants that we otherwise would have skipped, because it was no more expensive than eating at a cheaper restaurant which might also be on the dining plan. (Boma, for example)
5. Although it was a ton of food and we left much on our plates, it was fun to have an appetizer and dessert with every meal, which is something we don't normally do.......... and a Disney vacation is all about treating yourself.
6. On the last night, while we were packing, we realized we had a bunch of snack credits left, so we took home a pile of mickey-shaped rice krispie treats to give as gifts when we got home. viola - souvinier shopping!
7. We also had the extra bonus of being able to use snack credits at the Epcot Food and Wine Festival, which was fun.
I say get it - I actually don't understand how anybody would pass it up, unless you are the types to live off of granola bars and tap water all week. Those types of people won't get their money's worth out of it, but I did.
Piglet