We had charging priviledges on our cards with
Free Dining Plan in September and had no trouble whatsoever. We always reminded our server/cashier that we were on the Dining Plan, and checked all receipts before leaving. No problems.
I'm also a firm believer in using the room key for charging as a previous poster stated. Your room key can be canceled and replaced IMMEDIATELY, whereas cash is lost forever and a credit card and travelers checks takes a minimum of 24 hours to replace.
For those that don't want to put charging priveledges on just one card and dining on the other, that's not how it works. Dining is on ALL cards regardless if you have charging priveledges. If you split up anyone can use the dining plan, but only the card with charging priveledges can charge to the room, so if split up, the person with charging priveledges will just have to double check that dining credits were used instead of room charge.
Also, as a previous poster stated, I always have a room bill printed every few days to double check things. In over 30 stays over 10 years, I've only had to question 1 item on my room bill, and that was this last trip. There was a charge to my credit card a few days after I checked out that was not on my folio. I called and checked and it turned out it was the extra adult fee for my campsite. (I added the adult at check in). However, the extra adult was only there for part of my stay. I told them this, and they happily credited me the difference, no questions asked.