Yeah it's a weird balancing act. You want to get your money's worth out of your park tickets so you need to spend maximum time in the parks, but then you want to get your money's worth out of your resort price so you want to spend maximum time in the resort pool. And I can't tell you how many blog posts I've read about maximizing the food plan, LOL.
Reading through this forum for the past six months though, we've come to the conclusion that you really aren't going to "get your money's worth" in terms of the resort or the park itself. You're paying for the experience, and the only way to get your money's worth is by focusing on that, instead of maximizing your time. At least that's how it interprets for me for going with a toddler. This mentality has really helped me relax about the trip. It's no longer about getting as much park time or pool time or food credit usage as possible. Now I'm focused on being flexible, following the lead of my toddler, and just making the best experience I can for her.