As we don't stay onsite we tend to just make reservations at our favourite restaurants.

We've normally had a large breakfast so don't bother with lunch very often, if we are peckish then we just grab anything.

If you want to go to one of the character breakfasts, I would also make a reservation for this.

I would think if you were to be staying on site and had the premium eating plan then you would need to make all your reservations, especially if you have certain places you want to eat.