When I booked our trip for last Sept, I was a Disney "virgin"...I mean, I had been to WDW when I was a child and teen and had been to
Disneyland as an adult, but it was my first trip as an adult, with my children and husband. I chose the dinning plan because I like all-inclusive things. I knew our meals were paid for in advance and I didn't have to worry...of course I hadn't been to this board until after I booked my trip..bless my heart, I didn't even know what an ADR was!!!
But we went and ate well! My kids are skinny-minnies but DH and I like to eat. We were not obsessive about "getting the most" for our money or acing the system the way some posters seem to be (saving credits so they can eat at signature places/paying out of pocket for kids meals, etc). We just made our ADR's based on where we wanted to go...we did Prime Time, Ohana, LeCellier,
Hoop De Doo, CRT, and some good CS's places like Tusker House and Caseys. We also did Chef Mickeys. Our total was something like $1070 and we were there for 7 nights. We are not big "snackers", but we did get Mickey bars and popcorn, I recall, plus I paid out of pocket for stuff like Dole Whips and that YUMMY carmel corn at Sleepy Hollow snacks.
This year we are doing the plan again, because it is easy for us. We are doing: Sci-Fi, Brown Derby, Garden Grill, Le Cellier, Liberty Tree and 1900 Park Faire. Again, not obsessive about our choices and YES, heavy on the character meals, which we love!!! Food is about the last thing we think about on vacation, we just want to have fun and chill out! But I see your point with how much money you saved by not doing the plan. It just depends on how you do things.