Like Lauriebar said, it's all in the planning.
We've used the Silver Plan twice. And if you want the add-on plans to be worth it, you really must eat in the finner restaurants. You also must use the recreational offers too. Golf, tours, spas. If you do not, then you are just giving you're money away to Disney with no value at all in return.
If you'd take some advice, look at all the price breaks on all the possiable ways to buy. Tickets, hotel reservations, packages, and the add-ons Silver, Gold and Platinum.
And if you are staying in a deluxe on conciege level, but still want everything paid for, look to Gold or Silver, 'cos some of what you get on Platinum comes with a deluxe conciege room as part of the room cost. Don't want to pay for something twice do ya? :animwink:
Have fun, and keep asking questions. Oh, and don't forget about the discount codes too.