I was with you all the way up until your last sentence.
I personally think the dining plan is ok...I've used it when it was free, but not sure if it's necessary for me when it's not. However...I personally understand that it is quite complicated...especially for someone new to Disney. Most people who are new don't take time to do research to plan out their trips beforehand...and even some who do, might not realize how important it is to get those ADRs. To me...6 months is WAY too far in advance for ADRs to be released. It needs to be closer to 3 or 4.
My other gripe is that there is no way for walk ups, usually. I know when I was there in Sept and was on the dining plan (granted it was free dining, but that's not the point) and I had a ressie that I needed to cancel. So I walked up and cancelled it...however, there was another couple who walked up and we were talking to them and they needed a table...and you know what stinks...even though we'd just cancelled, we couldn't give them our ressie b/c the restaurant overbooked. So, they were still out of luck. Disney really should leave some spots...not a whole lot...just a few, open for walk ups.