You can do a character meal at one of the resort hotels without park passes. I know there is a breakfast at Chef Mickey's at the Contempary. I think there are also meals at Cape May Cafe at the Beach Club, at Ohana's at the Poly, Artist Pointe at Wilderness Lodge and also at the Swan and Dolphin. I am not sure if these have bneen affected by the cutbacks since 9/11 but I am sure someone will be able to confirm!
I am not sure on cost as we did lunches in the Parks, but the lunches were 16.99 I think.