I am a Premium Annual Passholder, Charter Disney Visa holder, Disney Stockholder and parent of a Cast Member. With my AP I get discounts on rooms, free parking, discounts on special events, AP only special events, discounts on shopping, discounts on dining, Tables in Wonderland which discounts eating and drinking and free valet, discounts on movies, discounts on spas and salons, discounts on mini golf, water park, DisneyQuest, fishing for my myself and guests, discount on boat rentals, water sports, race car rides, bowling, pet care, special tours and rental cars in addition to unlimited entrance to the four parks, two waterparks, ESPN, Oak Trail Golf Course and DisneyQuest all year long. No I don't think I need any extra FP+ particularly since after I use my three I can keep getting some new ones. If I want more than four in one day then I book mine in the morning and keep getting more. I was there a few times this summer, crowded parks and other than the usuals; 7DMT, TSM, Soarin and the Frozen gals ... I could get just about any FP I wanted the day of.