"It is too early for dinner."
Translation:Jest za wcześnie na kolację.
"Laying in bed" is not dialectical. It's wrong for the meaning of a person "lying in bed". "To lay" means to place something down, usually flat. "I am laying towels in my bed." "The towels are being laid in my bed." Or, "the roofer is laying tile." "A person lies in bed," not "lays," unless "a person lays something on the bed, like a towel." "Lay" is also the past tense of "lies" and "lying". "Your shirt lay on top the dresser for three days already!"
This is a very common confusion among English speakers. "To lie," its past tense "lay," and the verb "to lay/lay down"
Generally they mean the same. Maybe they're not perfectly interchangeable, but it seems that you can always use "zbyt". And it's really hard to say when exactly "za" shouln't be used... it's more of a collocation matter. Anyway, on a learner's level, you can simlipfy it and just consider them interchangeable in every context. I don't think we have any sentence in which one of them doesn't work.
Simplifying (because it's not exactly US vs UK thing): obiad is lunch (American) and dinner (British). kolacja is dinner (American) and supper (British).
So there are two 'starred' answers here: Jest za wcześnie na obiad/kolację. If you put one of them, you will see the other as "another correct answer".
It's been at least 30 years that most people in UK say "breakfast lunch and dinner" and before they said "breakfast dinner and tea" and maybe "supper" in certain regions. Anyway, it is such an outdated way of speaking that most people in UK below 60 won't use dinner to refer to the noon-time meal as dinner. But if you follow that line of reasoning you should also accept "tea" as a translation for kolacja as "tea" was really the standard British way of saying dinner.
Hmm... We accept the same sentence without 'jest' ("To za wcześnie..."), so I guess I should add your version. Added.
However, I think it'sless likely. The default Polish sentence ("Jest za wcześnie...") means that right now it's too early. If you add "to" as the subject, then it means it should refer to something that was mentioned. So most likely you were discussing with someone at what time to have dinner, your interlocutor said "Let's have dinner at 5PM", and you say "No, 5PM is too early for dinner". That's what using "to" changes here.