We're like you, Johnnie - we don't mind eating in, and in fact often prefer it. The cooking facilities were a big selling point for us, since we are not big fans of Disney food's quality or price. We eat well in the room, and find it much more relaxing than waiting in line or sharing a crowded restaurant. We don't do elaborate meals - we eat things like Publix chicken, big salads, fruit salad, sandwiches, frozen burritos, etc. I find that we not only save money, we also feel better when we eat in on vacation, because we eat better quality food.
We usually do one character breakfast, because we do enjoy the buffets. Also, we frequently eat a variety of take-out food at Epcot (sort of our own personal Wine and Food festival - the adults get what they want, then we get the kids their chicken fingers at the American Pavillion, and eat in the big room there). We've even made a week's worth of meals in a studio on several trips - I figure it's the closest I want to come to camping!