I think the dining plan is well worth it. Especially if you’re doing character meals which tend to get expensive. Another nice thing about the dining plan is that it allows you to try places and order items you wouldn’t ordinarily do.
I think if you broke it down and did the math, you’d find that it more than pays for itself.
I say go for it, get the Dining Plan and ease your mind. The idea of walking out of restaurants without physically handing over cash or a credit card is nice too. You won’t have to skip something you’d want because the price is too steep.
Have a great trip and welcome to Disney Central!