The meal plan debate will probably be never ending, but for us, right now, it's worth it. Most of our meals are character meals. 3 of us for breakfast at CM was over $100. That justified the meal plan to me, since it was like eating for free for the rest of the day.
It also is a LOT less stressful traveling with my husband who doesn't like to see the money flow out of our pockets. I can pay for the meals before we go and deal with the grumpiness at home, pre-trip!
Once DS gets bigger, I'm sure we'll move over to TIW and pay OOP. For now, I'm enjoying every minute that he wants to see the characters!!