Do you always eat dessert, or would you prefer an appetizer at times? Would you just go and have a few appetizers as a meal somewhere? Do you like having adult beverages at a sit down? If you think about it, and actually order what you really want to eat, and not what it would take to "break even", you would save a lot of money. Ordering a chicken dish at a sit down will end up costing you, as the only real way to break even is to pretty much have steak every meal, and we simply don't eat that way. We will sometimes order a few appetizers and no entree. You cannot even do that on the dining plan, so you are really limiting yourself.
We have also run the numbers, and do not see how you break even without eating steak every meal. How can you do it?
So one trip try putting your dining plan money on a Disney Gift Card, eat what you really would eat, and see what is left. You might be surprised. If you are one of those that simply like it "prepaid", well, Disney loves you, and hopes that you continue doing it.