I agree with the principle of credit card guarantee - however in practice it kind of stinks. We're going with a group of 8 (so we have the honor of paying $80 to not eat a meal somewhere) and have basically cancelled all of our ADRs that weren't character meals/must-dos (so we have just 1 at Akershus).
Just too many variables to ensure that the stars will align and we'll be ready, willing, and physically at a particular location to eat within 15 minutes of what we scheduled months ago...I'm not willing to bet $80/meal for that, especially since you have to cancel the day before (till midnight) and I can't seem to find a way to call/reschedule on the fly ("hey, we have a 3pm ADR, we'll be there at 3:30, please don't charge me $80 for being a no-show!"). At least you get an hour return window for FP+.
Thanks, but no thanks.