It is way better to pay OOP for CRT. The dining plan takes 2 credits, and $$-wise, it just isn't worth it.
CRT is "only" around $32, (which means each credit is only paying for about $16 of the meal)and just isn't worth using two credits for. There are many places that cost way more than $16 for a single TS meal!
I just ate there for breakfast last week and it was $43/adult. I can't remember what my 4 year old was, but I'm pretty sure it was about $30. We did pay oop, because it wasn't worth using 2 ts credits.
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