Me too! What I did was read all the menus on allearsnet.com and decide. We decided to pay for all our breakfasts and just use the dining plan for lunch and dinner. When you get to the allears site, just click on dining, then click on menus. I don't know how to do a link or I'd post one here for you. Also on the same site, you can read recent reviews for all the restaurants.
I don't know when you go or who is in your party, but in Sept 2005, my family (DH, DD3, and me) ate some TS breakfasts and were not really hungry for lunch. So we would use one of our snack credits and have a early dinner. Another good thing about an early dinner, you miss the crowds to eat and the parks are less busy during dinner time. We still checked out with 10 out of 18 snack credits, so we got to bring snacks home!

It helped keep the Magic alive.
Here is what we enjoyed:
TS
Crystal Palace breakfast at MK
Chef Mickey dinner at Contemporary
Olivia's dinner at Old Key West
Cinderella's Royal Table breakfast at MK
CS
Tusker House lunch at AK
POP Century foodcourt lunch
Main Street Cafe lunch MK
Definately plan your parks, then your meals. Unless you have park hoppers, you cannot go to the park just for your meal.
Have a magical trip.