This and Skylanders, I have absolutely no clue how these games are played, LOL!
What's the point with the toys? Do you like take pictures of them or scan them in and use them like a virtual card game?
Skylanders and Disney Infinity are a bit different.
The core idea in each: There's a pad you put characters down onto. When you put the characters down they activate an RFID chip that tells the game what the character is, and then that character shows up on screen. That's it. Sick of playing Giant Green Monster Tree and want to play Lava Rock Man instead? Take one toy off the pad and put the other toy onto it.
Skylanders is sort of a Diablo-light game, where you walk around levels and beat up monsters and try to get to the end. Some areas are only accessible by certain "types" of Skylanders, though (say, a fire Skylander to burn through a fire symbol and get to the treasure on the other side). So you want to find a Skylander of each 'type' that you like to play through the game's content and level them up all the way.
Disney Infinity is a little different. There's basically two core gameplay conceits - play sets and the toy box. The toy box is sort of Little Big Planet; a place where you can mix and match franchises and build your own levels and download the creations of others. Play sets are locked to particular franchises (only Monster's Inc characters can play in the Monster's Inc playsets) and the mechanics vary between them. Monster's Inc has some light stealth mechanics, Pirates has some action and shooting and naval combat, Cars is all about racing and towing things, Incredibles is about beating up bad guys, etc. So you're not buying a set of characters to fill out a roster of every play style like in Skylanders, you're just buying characters because... Disney. Also to get 18 or so more chances to grind for the items you want from the Disney Vault (ugh).
They feel like DLC in physical form to me.
DLC implies they're downloaded; it's pretty clear all of the content is on-disk.