It really just depends when you plan on visiting and how many days in one trip. My wife and I are visiting in May of this year, we will be there for 6 days (only had 3 park hopper days booked) and are going back in January for 6 or 7 days. So we figured now we have the option to go to the parks every day on our trips and if we take a quick 2-3 day trip before it expires it is more than paid for. Plus we would have gotten memory maker for our family trip so that saved $70 plus we got pictures for our adult trip in a couple weeksHow many park visits before you break even on the most expensive pass? My preferred pass would be the Pirate Pass but I don't qualify....the next best option would be the DVC one but I have resale....not sure going to the all inclusive one is really worth it.
We used discounted gift cards so we spent about $1900 extra to upgrade our 3 day park hoppers to annual passes. Our trip in January would have been around $1500. So basically for $500 more total (w/photo pass) we got; option to go into the parks every day of both trips, photopass for both trips, & the option to take a small trip. Seemed worth it to us. We are DVC members and have companion pass with Southwest so that factored in big time