We've been to Disney about 8 times. We never participated in the plans. I like planning my own things and not being told what I can and can't do.
We always stayed at the Polynesian and love this hotel. We've stayed in the Concierge building which is more expensive but you have access to food/drink all the time and they have special food at Breakfast, lunch, happy hour, dinner, and dessert times. No, that is not what we relied on for meals but we did eat breakfast and have snacks there. There are also perk associated with being in Concierge, such as private safari in Animal Kingdom, etc. It is worth checking out.
I have no idea what we spent for meals, we ate when we were hungry which meant sometimes it was a sit down like Chef Mickey, Polynesian Luau, Polynesian O'Hana breakfast and others was just stopping in to some of the little shops in the park for a snack.
I don't know plan prices because we never went that route but you probably could eat cheaper. You know as well as I do that they are not giving anything away!!
Of course, don't go into debt going to Disney but don't be cutting so many corners and pennies that you and your family will miss out on fun.