I don't mean any disrespect for those that use the dining plan, but I am genuinely trying to figure out what makes it so much easier than paying OOP. I get that some can make it work to break even or even get a bit cheaper. But those who like the convenience or feeling like they're in the Disney bubble, I'm trying to understand.
I understand the convenience of pre-paying for meals. I do that already for our "big meals" (Tusker House, BOG, Ohana, R&C, etc) by using gift cards that I buy with the Redcard discount. I include tip and alcohol when budgeting on how much to put on each card before we go. Any balances get moved to the next card or just used up. Looking up the gift card site for me to check a balance is as quick and easy as looking on
MDE to check wait times while walking in the park. I just don't see how that's harder than trying to figure out how to make the dining plan "work" for those that use it and want to maximize their credits, or figuring how many credits they have left or how to use up extra credits.
Or reaching into my bag to grab my gift card rather than just holding up my magic band to check out. That still doesn't seem like a lot more effort on my part or make me feel less "in the bubble".
A previous poster mentioned that if they paid OOP, they would look for the cheaper option on the menu because they would worry about cost. I get that, however if I did the dining plan, I would feel pressure to maximize my credits to make sure I used every cent I paid for. We've been to Disney enough that we know how we eat and what we like. Dining is a huge part of our trips so we never feel like we have to go cheap just to save money. It's already budgeted for. The Redcard discount, while not a ton, does help. I factor that savings into F&G or F&W booths.
Either way, dining plan or OOP requires effort and planning. Heck....almost everything in Disney now requires planning and effort! Conversations like these are interesting for me to see different perspectives. We all have our own priorities so there's no wrong way to do it. I'm genuinely curious as to what I'm missing?