We also ate at HBD last Sept. and I realized that since it is a 2 TS, the value per credit is pretty low. Many others were more, with our highest being Kona Cafe (1 TS) and Narcoossee's and Calif. Grill (2 TS). This trip, if we eat at HBD, we've already discussed paying OOP for the meal. Or maybe just using credits for one of us and OOP for the other adult and kid. (We are a party of 3-me, my DM, and DD7). The main reason we go there is my DM loves the Cobb Salad! But it really isn't the best use of credits-so, if you are going to pay OOP anyway, for a meal, I would choose HBD. (That's what we'll do)
(FYI-I checked on my Dining TR and our value per credit for HBD was $24, Kona was $36 and $47-ate there twice, Narcoossee's $45, and GC was $43)
Hope this helps