We recently stayed at WL on the Gold Plan. We were visiting during Christmas week and knew we would not have patience to stand the long lines we expected to face. We decided to focus our vacation on doing things you could reserve, and not so much on riding rides. (We were there to see our DS march before Spectro Magic.)
We chose the WL because it was the least expensive option on site that offered queen sized beds. We have a king bed at home, DH is somewhat of a bed hog, and I find myself clinging at the side of the bed anytime I have to sleep in a double. We needed two beds because DD was joining us.
We had no trouble getting our monies worth out of the Gold Plan. I think we left two meals unused out of the 27 that were included in the package. We ate like kings, to make up for it, there will be no eating once DD goes back to school next week

. We really took advantage of the recreational opportunities (parasailing and golfing were two big ticket items we did).
If we wanted to spend our time visiting attractions in the parks, we may have been stressed out trying to get our monies worth out of the gold plan. When we're in park mode, we only eat 1 sit down meal a day, and we rarely do any of the recreation activities.
For this trip, the Gold Plan was perfect. We were right--the crowds were enormous. But I doubt I'd get it again, because we won't go again when its so busy. (Although it didn't take much golfing to make the plan worth while and DH loves to golf.) I know, however, that I will stay at the WL again. We loved it!
Good luck with your decision--you can't go wrong either way!