A whole lot of depends. Do you want all of your character pictures to have people eating in the background? Or do you want full family pictures? Character meals don't lend themselves well to either scenario. They have no dedicated handlers, so you end up having to ask another guest to take your picture of the whole group, or track down a wait staff with a free hand.
I can't say that we find more or less time in either scenario. Now being 2 young adults with no kids might affect this, but I've had characters in both places do the quick pose, now move on just as likely as we have a full on interaction.
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