You don’t get 10% back on resort spending until you hit $2K. If you charge restaurants directly, they code as dining. Without those extra restaurants & shopping charges, you may not hit the $2K resort spending, sure, you’ll get 10% on them. But you might miss out on 10% for the actual resort room cost. If you add the dining & shopping to your room & pass $2K, you’ll get 10% back on all of it.
If your resort costs more than $2K, yes, charge the Disney Visa directly for the discount.