Quoted from Max_Badazz:The meal plan is 100% overpriced. My parents swore that it was 1) easier and 2) cheaper. Easier is false since the meal plan does not include the tax and tip, you still need to either give them a credit card or scan your magic band. If I pay for the full meal, its the exact same number of steps. For price, unless someone is going to buffets with their family every night, you never eat enough to really cover it, and you are stuck with no apps and a dessert. We found ourselves ordering everything expensive to make it "worth it", and weren't even hungry a lot of the time , and we still had to pay for the apps and waste the desserts taking one bite. A few years ago I convinced my family to try non meal plan. Kept every receipt, including every snack, bottle of water, quick service, sit down meal, etc. For the six of us, we saved over $1600 for the week compared to the cost of the meal plan (the one sit down, one quick service, 2 snacks per day meal plan). Also we all hate buffets, paying $65/person at Chef Mickeys for chicken tenders, ravioli, baked potatoes with cheese sauce, and soft serve ice cream is nuts ... and its so f**king loud in there.
We got the quick service meal plan for "free" once when staying at pop century. Of course it's not free, but it's basically a discount on the room. Since we had 4 people staying in the room and we all got the meal plan included, that was actually a really good discount on the room in terms of what we would have actually spent otherwise on food.
But after using the meal plan on that occasion, I determined that I would never just outright buy the meal plan. It results in exactly what you said, trying to maximize the value of the credits all the time. And even if you do that it still ends up being more expensive than if you had just paid for food without it most of the time.