I am having the same experience as others posted. I have a Gold AP and I can see and download the photos of those on my friends and family list, even when I am not with them. However, I think I may be missing some photos. I asked this question on another thread, but I'll ask it here as well.
If someone on my friends and family list manages the accounts for others, will I still see the photos of the others if my friend is not with them or they use their magic band instead of his? For example, my brother is on my friends and family list. He manages the accounts of his wife and three children. None of the others have accounts and only he appears on my friends and family list. If his wife or children ride a ride without him or tap their bands instead of his, will I still see those photos?
I think the answer to my question is no, but I'm not sure.