A lot depends on how long you are going for and if you will have time to use all of the extra's.
If you are looking for all of your meals, all of the tours, golf, boating etc. and don't want to worry about paying for extra's once your there, then the gold plan is for you.
However, using the silver plan, with 2 wishes a day, you can eat well, do some great tours, get preferred viewing locations for parades, rent watercraft, play golf and will some money.
We are using the silver plan in Dec. for 6 days and feel that it is going to work the best for us. We will use most of the wishes on better meals and the KTTK tour.