Okay Jackie, here's my advice..............
Find the cheapest scenario within your comfort zone. Meaning......if you REALLY think you won't mind doing without the dining plan, go ahead with budgeting out for eating off the plan. I agree with you that I think it might be some bit less than taking the plan. Put that amount on to a gift card.
We have purchased our tickets at
UT before, and would highly recommend using them again---especially for the savings overall!!!
Weigh out the pricing for a stay at a DVC place, and also the pricing for the room-only at CBR. Aren't there promotional deals and discounts going on right now?? See what is cheaper. If you are up for a split-stay, you could even stay at DVC for the Sun-Thur part of your trip, and move to POP or CBR for the Fri-Sat portion of your trip. Whatever is cheaper, go for it.
I would hold off on the DVC purchase for now----AHHHH GASP WHAT?@Q?!?!?!?!?! Wait until things level off a bit on your salary--especially with the possibilities of more changes to come!!!!
I hate being the voice of reason and rationale, but as long as you are in Disney, nothing else should matter!!!! Remember that there will be another day to come back to the GF and DVC dream someday!!!!
Okay.....now I need a break from reason and rationale cap for a bit.....need to go back to dreaming about luxurious trips to WDW and the prospect of owning DVC someday too!!!

Hey, only true friends are willing to step out of their own delusional worlds for a bit to help cut through to the reality of the situation for you.....but don't expect me to live in that rational reality forever!!!!

Ha ha ha hahahahaha!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Love ya girlie!!!