BUT. Ultimately she IS losing money, because she's forfeiting the AP discount for those days.
Everyone there for MM is in Tomorrowland or Fantasyland. When I get there when everyone is trapped in those parks, I head towards Indy and POTC, personally. So yes, I try to get there very early, so I can get to those rides before the people who have been on Dumbo for an hour get there!
You know what, since you will be going to GCH anyway for your meal, why not just skip DL that morning? Visit DCA for a little while then go to your b'fast. (if you want to see chip and dale, go before 10:30 b/c they leave after that time...if you don't care about those two but want to order from the menu instead of the buffet, go BEFORE 11:30 because they stop serving from the menu at that time) Or have your b'fast early and be at DCA half an hour before its official opening, as everyone says they tend to open early.
When we upgraded from our hoppers, I was very annoyed at myself for losing 2.5 days of AP discounts, but we just kept forgetting. And we budgeted for it by using Disney giftcards to upgrade! In our case we had those through cashing out on sunshinerewards, so we didn't go out and buy them anywhere, but the concept is the same. As you have that money set aside, go to
disney store and buy a giftcard in that amount, or order one online, or just hide it in an envelope or savings account, waiting to be turned into a gift card to do the upgrading with.