This is an interesting question to me, and the thing that prompted me to call and remove the dining plan from our trip last week. I knew we would want the bread service, and would prefer to have appetizers over dessert at several other locations. I called and cancelled the dining plan, and it ended up saving us over $500 for a family of four (two teens and two adults) . It was easy to track because we charged everything on our magic bands, so at checkout I could easily compare and we spent $500 less including the tips than we would have just for the plan, not including tips. It's definitely not for everyone. Only mentioning this in case you were on a similar train of thought. I was very nervous to cancel the plan, but was so happy at checkout that I did!