Your numbers are way off. Menus are posted online at various site. Even if you picked the most expensive items you still come out on top paying out of pocket.
For example, if you go to Flame Tree BBQ for lunch, they have a platter that costs 19.99, plus another 3.69 for a soft drink. Then if you go to dinner at Be Our Guest, their entrees are $21-$35. Add in a drink and dessert at about $8, and you are at $66.68. I usually budget the 2 snacks to be about $8-10. The grand total -without alcoholic or specialty beverages is about $76.68. Yes, it is a small difference, but it is possible to use the plan and come out on top.