DF and I also ran into this problem. We originally planned to eat at Brown Derby, but decided it just didn't seem like it was worth 2 TS credits, and none of the other MGM restaurants appealed to us. After reviewing menus for the surrounding areas, we decided on Yacht Club Galley at the Yacht Club Resort. The menu looks great, and it is within walking distance of MGM. When I asked about this restaurant, folks replied that it is a wonderful little WDW secret. I was told while it is not as upscale as the Yachtsman, it uses the same kitchen. Don't know if this is true, but it sounded good! Also, other posters have said it is rarely crowded, which is a plus for us!