You definitely have to work the numbers. Dining plan was a good deal for us last time we went because both of my girls were "kids." Now that Jillian is going to be just hitting the adult mark, we probably won't do it again for awhile. We already eat a few meals in the room since we are DVC. Jillian still only eats the size of a kids' meal but we would have to pay for an adult meal for her anyway.

Another good reason to use a travel agent. They know this stuff inside and out and can help you price out all of your available options...even things you didn't know were options.