The appetizer, like the tip, is something you would have to pay out of pocket whether you did the DDP or not. So I disagree....I think I am STILL saving money. If I paid for that meal out of pocket, at say, 26 dollars, and then ordered the appetizer, I'm paying out of pocket for that as well, so now I am spending about 36 out of pocket (not counting dessert, drink and tax).
If I pay for it on the dining plan, I STILL pay the appetizer out of pocket. That's why I didn't figure that or the tip into my figures...because I will be paying those out of pocket either way, so it comes out a wash.
Think of it this way:
I pay 38 dollars for my food for the entire day on the dining plan. At one meal, I purchase an appetizer for 10 dollars. Now, I've paid 48 dollars on food for the day.
Let's say I pay it all out of pocket instead.
I buy the $26 entree and a $7 dessert, which comes up to $33, plus tax, which comes up to about $36. I buy a $10 appetizer, which brings me to $46. Above, I just paid $48 for ALL my food that day. But I just spent $46 on my table service alone out of pocket, and I still have to buy my counter service and snack.