I'm curious, do you save your receipts, and actually compare what you paid to what you would've paid? I'm always wondering if people actually do that. I saved all our receipts last Xmas trip (or at least most of them) and I think we came out at $600 less oop than had we chosen a dining plan, but I can't be sure of the EXACT number because I'm not sure if I had ALL the receipts or if one or two got misplaced. However, my husband and I kept a running tally for the first 3 days I guess and by then, we were $200 under the cost of the dining plan, so I want to say our number is pretty close.
Imo, if someone has no other discounts for meals such as AP, DVC, or TiW then the dining plan insures their maximum cost and I get why someone would choose to do that. They can blow $1000 on Mickey Bars if they wanted to and know that they can still eat on the rest of their trip. If someone has other discounts, then the dining plan makes zero sense.