My 2 cents based on your questions:
1. If you are direct and resale I am assuming you can only get MMB on your direct contract?
It’s best to think of MMB as like a coupon book, you are buying a book of coupons to use, some are one time use (like the Memory Maker and OTUP BOGO) others are unlimited (Priority Lounge Access).
2. If you only have only one direct contract, does it make sense for myself and my wife to get it? For what reasons could this make sense?
The Owner of the MMB must be present to use the lounge option. If the 2 of you are ever apart, then yes it could make sense. For your other note of 8 people then yes you will both need it to get all 8 in unless those 8 people are on your reservation.
3. Are they selling this for 2026 and 2027 right now and it’s $99?
Only for 2026 Calendar Year, yes its $99.
4. I think it comes with one free day of memory maker? Can you use this at
Disneyland for photopass instead?
It’s a 30 day download window that you are buying. Once you download your first photo, your 30 day clock starts from that day you did the download. It makes no difference when the photo was taken. We did a trip mid December, we are going again the end of this month (Jan), photos live in
MDE App for 45 days, so I waited til Dec 31st to download our photos from earlier in the month using my 2025 MMB. The clock started 12/31. I have til 1/30 to download any photos I want which will catch most of my trip at the end of the month.
5. Are the lounges that crowded that the fast pass aspect of it is necessary? I think I read somewhere that there are special times that MMB people can go to the lounge that others cant or am I trippin? Is the Mickey and Minnie with the seasonal outfits an MMB only thing?
Depends on the lounge and on the day. We were at MK twice in December, one time we went there were 5 people on the list, we got right in with MMB. Next time we went there were 35 people on this list, we got right in on MMB. We love the lounges, DW has food allergies and they will give you allergy friendly snacks, so it’s a big win for us. Plus we love the freestyle machines, it’s a nice break to the day. Fo us $99 is worth it. I wont get into the debate on them paywalling this, thats a whole other conversation, but for us, this is awesome.
6. What benefits do you actually use that makes this worth it to you?
Memory Maker - Hit or miss. If you have an annual pass, the year long MM may be better and isnt much more than MMB, but then again that’s all you get. For us, it covered literally 2 trips for 2025 and 1 trip for 2026, so not bad.
Lounge Entry Priority- literally use it every time we are in Epcot or MK. Amazing benefit.
Minnie and Mickey M&G at Epcot Lounge- the lounge was empty when we went, we spent as much time as we wanted and a photo pass photographer got photos of us. Their outfits were so stinking cute. Loved this benefit.
OTUP- Used this benefit instead of borrowing extra points, so 24 points at $10 each was a steal, love this.
2026 Aulani Photo- We are going to Aulani in 4 weeks, will definitely use this and I am guessing this is like a $30 benefit on its own.
I didnt hesitate to buy it for 2026 since we are going several times to WDW. For us this is a no brainer even if I just use it to get into the lounges and the MM. Again, not getting into the argument about Disney paywalling these things, they did so thats the world we are living in and for us its worth the extra cost for what we get.