I was just there last week and it is still unclear to me how the bands worked. I had all the people in my party set up the same way in Friends and Family and gave them all permission to view and edit photos, yet some people's photos automatically showed up in my account and others' stayed in their own account and not on mine, which is the downloadable account. I ended up taking everyone's bands to a Photopass Center on the last day and linking them all to mine so we were sure to have all the photos.
I also did not realize that only the photos edited on my account as the manager are the ones that will download until I read it here on the DIS. I assumed that when it say "can view and edit photos", it meant they all carried over to the download. That is a big mistake. Glad I saw it or we could have been out a lot of edits.