Apologies if this has been asked before...

We are new DVC members, and our first stay is coming up this May. Have been trying to decide whether or not to buy a dining plan or just pay out of pocket using the 10% discount for DVC members. We have used the dining plan numerous times over the years and have really enjoyed the "pre-paid" aspect of it. But saving 10% on meals sounds like a pretty good deal. Any thoughts or comments based upon your experiences?