If you have a day you know is going to be a long day, like you're going and taking an early nap and then staying later, I'd schedule a dinner on that day. Or if you're getting started early and then taking a late nap, schedule lunch on that day. When we went with QSDP I scheduled a late lunch on our day when we weren't taking a mid-day break (obviously easier for me since we're all adults!) And it was heaven-sent to just sit down for an hour or so in the a/c and relax.
Or, my other suggestion would be to schedule breakfast on a day you're not going to the parks or on your last day. For our upcoming trip we have the QSDP which was added after we booked ADRs. We kept Kona for breakfast on our last day because we have my parents coming up and meeting with us. We're also not doing a park that day.
Also, if you're counting pennies, it's good to keep in mind that breakfast & lunch are less expensive than dinners.
Edit: Good luck on the Mom's Panel! I almost applied, even though I don't have kids. I think it would be good to have a "we go as couples" perspective, so I did think about it. Ironically though, I've used up all my vacation time
going to Disney this year, so I can't go in December!

I could probably squeeze it in, I mean, I have all my sick time

But that's dishonest and I don't think I could do it. So I figure I'll apply next year. I'll still fit their criteria of going at least once in 12 months and I don't plan on using as much Vacation Time! ...sorry, I got Side Tracked. But yes, good luck!!!!