Just got back from 6-night WDW trip with
DVC points.
Thought really hard about the dining plan and decided not to buy it.
Ate what we wanted, when we wanted, where we wanted, etc. Had appetizers, full meals, snacks, counter service, and really enjoyed ourselves.
Tallied up the receipts and spent less on food (including all tips/snacks/drinks) than the
DDP would have cost... plus, with our eating habits there were some days we bought multiple "snacks" per person -- which would have been extra expenses on top of the Dining Plan's fixed price.
While it may save for some, it wouldn't have for us...