We use/need 2 cards. DH and I do split up at times, with friends and family. An example is in May, I'm heading to Chef de France with some for a dinner before Davy Jones, and DH is staying back at AKV with some for their first time at Boma.
In general, we don't go to WDW to eat or stay offsite. There are exceptions but there are places to eat unique in WDW that we enjoy a lot. There are even some of the counterservice places, like Flametree BBQ that I look forward to eating at. When WDW is not longer our destination vacation experience of choice we'll not be going there as often. Neither DH nor I want to go offsite very much.
Bobbi