You can eat ten table service meals in one day if you want
(Well, if you have 10 credits)
You don't have to do anything specifically with them - they just put them all on your card and you "cash them out" every time you eat. So, you don't have to have a table service and a counter service and a snack each day. Some days, like our MK days, we won't do table service because there is nothing really good there to sit down and eat. But we love Pecos Bills and Cosmic Ray's, so we eat there.
Then we use an 'extra' table service credit from that day for a character breakfast on a different day - or a signature dining event like hoop dee doo.
Oh - and as for the question asked above - about driving back. I always advise against doing the park in the morning, swimming/napping, then going back in the afternoon. I think the jungle parade is around 4. The problem is - with Disney transportation (or even your own car) it takes a while to get in and out of parks. In our experience (with small kids) say you get to the park at 9. You could maybe spend three hours at the park before you'd have to start the leaving process - walking to the front of the park, waiting for a bus or tram to take you to the car, getting everyone loaded and driving to the resort (or waiting for transport to get you there) - then just as the kids fall asleep in the car, you have to wake them up to walk back to the room or put them back in the stroller. Then you have to deal with either getting the kids back to sleep or swimming, convincing them to get out of the pool, drying off and getting re-dressed, then doing the whole transportation thing in reverse - parking - walking through the park. I found that the jungle parade is pretty crowded and we had to line up about 45 minutes before - which would be at latest 3:15, I think.
What I recommend, if you're set on seeing the parade, is spending the morning at the resort swimming and then head to the park. We usually like to eat lunch in the parks because the food is better than resort food courts. Then you can walk around the park, see the parade, and see a few more things before they close. Our kids usually fell asleep in the stroller - or when they got older would just skip a nap. It was never a recipe for meltdowns for us, but that's something you'll have to figure out for your kiddos.