We didn't love the food at Yachtsman, and we would have been better off doing 2 single credit meals than using 2 credits per person to eat there. DS ordered a chicken breast that was so tough I couldn't cut it with the steak knife. They took it off of our bill, but since he didn't order anything to replace it he hardly ate any dinner!
I just made an ADR for Jiko for our August trip, and we have an ADR for Artist Point in December. We'll pay OOP and use our DDE card for those.
Good luck! It is so hard to choose when you haven't been to any of the places before! But DH has made it clear that he was NOT impressed with Yachtsman so we won't be going back.