I would suggest that you do some reading on our Codes and Rates Board .
Usually the best way to decide what option is best for you is to actually price it out. On the official Disney website you can play around with all the different discounts and see which one may work best. Many people ask if the Free Dining/Dining Plan are really worth it, but that is a very personal decision. You can see menus with prices on wdwinfo and try to estimate what your food costs will be.
If you prefer to have someone to help you out with your options then you may find that a Disney Specialist
Travel Agent is invaluable. Travel Agents are paid by the company and not by their client so the price will be exactly the same to you whether you book it yourself of with them, and you get someone to assist you with all the details.
Dreams Unlimited specializes in Disney and is our board sponsor so they would be a good agency to try.