Alright, let me state my case. We're planning on going to WDW in early October. Now I know that free dining has only been offered through September in years past but last year it was extended. Even if free dining isn't offered when we go, I'll still purchase the plan. My wife and I are going without the kids. We're looking forward to Chefs de France, Tutto Italia, Yachtsman Steakhouse, Narcoossee's, Brown Derby and other more modest venues. We would never have chosen these restaurants without the Dining Plan. (I know that Yachtsman, Narcoossees and Brown Derby take two credits).
Last time we went to WDW I purchased a "Stay 7 days for the price of 4 days" package and combined it with 5 days at the Boardwalk Villas. I purchased the DDP with the first package but didn't bother to get the dining plan for the five days at Boardwalk Villas (we "rented" points for our stay at BWV.) We ended up canceling all but one of our reservations the last five nights because we simply ran out of money buying other things.
I know we should have planned better but I don't like carrying around alot of cash or putting additional expenses on my credit card. With the dining plan we tried out several restaurants that we would have never gone to i.e. Le Cellier, and Akershus. My two daughters were younger than 9 so I spent $102.00 per day for the plan. Akershus alone would have cost $112.00 before tax. 1900 Park Fare would have been $102.00. Le Cellier, Boma and O'hana would have been $92.00. Best scenerio, I'd of had $10.00 for the rest of the days meals. Anybody know where I could get 4 quick service meals, and 4 snacks at WDW for $10.00?
What I have bolded in your statement is the problem.
You would have never gone to those places had you not been on the plan.
You are NOT saving money then
It's like a person who goes to buy a car and has no intention of getting leather seats, but then the salesman says "look, the leather is normaly $1,500 but I can cut you a deal and you can have it for $1,000"
Then they come home and say they got the leather seats and saved $500. No, you did not save $500, you spent $1,000 more than you were going to.
If you would have normaly ate at the places you listed, and if you would have normaly ordered the most expensive items on the menu, had a dessert, and had a QS meal and a snack during the day, the yes you would save money. But if you ended up getting those BECAUSE you were on the plan, then you spent more than you normaly would have.
When I go to WDW, my kids and I eat at a TS every night. However breakfast is something like cerial, yougurt, granola, We may grab a quick bite during the day - maybe a QS maybe a snack - but thats it.
With our dining habits we can order what we want and not have to worry about if we are saving money. My oldest has two favorite dishes. Filet and Chicken - opposite ends of the price range. I don't worry when she orders one or the other.
If the plan helps you to manage your money, then thats all well and good. But there are much better ways to manage cash than paying up front for a product, locking into a price, and then loosing what you paid if you end up not consuming the product. Of course if a person cannot manage their funds, then the extra money spent may be a good thing. Thats why they make those pay in advance 'creadit card' things as well.
-dave