I basically looked at my bottom line....
For instance, we are doing 2 character breakfasts (but more of a "brunch" time frame)...this isn't the largest value for the DDP, but we are 4 adults and a 2 year old, so the buffets can come in handy b/c I don't have to really share with the 2 year old and then I don't have to eat lunch (we can do a snack until an early dinner)
We have 1 lunch, 2 breakfasts, and 4 dinners TS, 7 QS, and 7 snacks each...even as 4 adults, we come out ahead in terms of value for the DDP for the week
I think some people worry too much about coming out ahead for the day and therefore will not "waste" credits on breakfast or signature...but if that is where you really want to eat and you come out ahead the whole trip, then you saved money and it was prepaid..
Our vacation is already costing 1000s of dollars, I don't want to put out more money on dining.... so do you NEED 2 extra TS meals or are you just doing it for "value"???...overall, if you go to 2 more meals you will have to pay CRT OOP and pay 2 more tips OOP (I thought I read that CRT included the tip as well as the pictures...making it more worth it to me for 2 TS)....if your family would really eat those 2 extra meals then go for it and pay CRT OOP, but if not, why spend even more?