If you want to take the dining plan with DVC and not pay far in advance, just wait until a few days before your trip and pay for it then. Be sure to do it on at least the 3rd day before your trip as the online signup blocks you out as the 3rd day ends. You can get your funds together and pay on that day which is actually better than a package.
Once you make your DVC reservation there is nothing to stop you from making ADR's business as usual.
I think it's 180 plus 10 - someone please correct me if I'm wrong as I make very few ADR's and usually day of the dinner. You do have to pay the guarantee $10 for each person per ADR. I have yet to be charged this fee in advance, but again I don't make a lot of very early ADR's. I usually see a pending charge which disappears from my credit card, and then I'm charged fully when I consume the meal. I think the pending charge is the test to see if your card is indeed valid and to charge you for uncanceled no shows. People used to make multiple ADR's and decide later what they would actually keep. So the dining system in place did not give an accurate picture of what availability was. This $10 helps mitigate that somewhat.
As a 20 year owner I've heard loads of 'wouldn't it be great if we could purchase tickets (AP's mostly) with a monthly payment plan same as Florida residents? For me I'm grateful that I can get an annual gold pass at a significant discount, and stagger my visits to get at least 2 trips from them. This year's pass will give me 4 trips with a potential for 30plus park days, so I'm not complaining about paying this price up front.
Special events usually need to be paid for up front as far as I know, but obviously I haven't done a package lately. I didn't know that they were included in the budgeting aspect of paying down a package.
Other than booking my room at 11 months to the second (I'm a Boardwalk owner and travel during the late fall which is 'high' time at BWV, I find it very easy to be a DVC member. Knowledge of the product and the new set of rules you will learn helps tremendously and that comes with time although there are certainly lots of primers available on the subject.
All that said,


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