I can't speak to the restaurants, only the lounges. You just go in, swipe the card, and check-in. I've been asked for the boarding pass of everybody in my group and then I had to fill something out on a little tablet/handheld device (basically just confirming my information). All the stuff in my local airport and MCO were free. One time the MCO lounge was full and the agent apologized and asked if she could text me when there was space. There was a little seating area and I just waited there. Not even 5 minutes later I got in. She apologized like 500x and said I was so nice and understanding. Really, not a big deal that I had to wait a whole 5 minutes. I guess some people are just rude?
I've used the "The Club MCO" in airside 1, but never for breakfast. There were all different types of snacks, a salad, multiple tiny sandwich and soup options, small brownies and cookies, and plenty of soda/water/coffee/tea options in addition to a bar. If you're flying SW, you will have to go to a different airside, and then back through security. There is no PP lounge in airside 2.