It is like that- but there's a bit of a twist at Surfs up that means it might work. Like most character meals, you take a photo when you come in (the one they sell you later). At Surfs Up, that photo is with Mickey and the photo spot is in the front corner of the main dining room. Mickey usually just hangs out up there between parties and as long as no one is coming in for photo with him you can usually interact with him and can probably get a photo with him and Minnie when it's your turn with Minnie. The timing would have to work out for this but Surfs Up is pretty laid back and the characters are great so I don't think it would be too hard. You might also be able to grab a Mickey and Minnie photo after the dance party or surf lessons during the meal.
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