Ok. Here is what I've learned so far:
1) I bought the CD. It made sense to my family. We were 3 linked cabins and could get all of the photos. However, 95% of our photos were of our main cabin. The grandparent cabins were really only in group shots of all 8 of us, and a few of grandparents and grandkids.
2) The bigggest single 'combo' package of pictures that Shutters offers is $299 for 20 6x8s, and 15 8x10s. We had about 75-80 pictures of us in total. The cd made sense from that standpoint.
3) Personally, I don't much care for the borders, so that didn't matter to me.
4) Shutters still prints up all the pictures, so that they can sell them _with_ borders, so there is still a LOT of waste. BUT - Shutters uses your key card to do MOST of the matching to your stateroom. On our last day, some CC photos and our Palo photos did not make it onto our account. At 10:45 - after 'Til We Meet Again - I went straight to Shutters, checked the kiosk, then found the paper photos that I needed to add to the CD and took them to the desk. The Shutters CM took the numbers from the backs of the photos and put them on a ticket to get added to our CD.
5) CDs may be ordered at almost any time during the cruise but the MUST be ordered the night before you disembark. A woman tried to order one at 6:30 this morning and was told it was too late. CDs will NOT be ready for pickup until the morning of disembarkation, so plan an early Shutters run if you are purchasing.
6) CD prices vary according to the length of the cruise as stated earlier - I have to guess that the transatlantic, baltic and med cruise prices will be higher.
7) Shutters does have some price incentives - but I really don't know how they work. A fellow disboarder was able to get some smaller size photos (3x5s, I'm pretty sure) made by Shutters after purchasing a package. Another passenger told me that they had purchased Several photo packages and were buying nearly all of the pictures and then decided to add the CD as well. After Shutters totalled their packages with the CS 50% discount, their CD was essentially free. (However, we are taking big $$ on the photos.)
8) Final thoughts: Yes, some pictures were not keepers, but I still think we _could_ have purchased more that 35 - and the ability to size pictures without scanning them means a lot to me. From the same kind of time standpoint, I LOVED knowing that I was going to purchase the CD. While we checked the photo kiosk 1x/day or so, I wasn't spending 30+ minutes/day in Shutters trying to find _our_ pictures, trying to decide which ones to buy and which ones to toss. Finding new pictures that I liked more and then trying to toss older ones. The decision to buy the CD, while expensive, was absolutely liberating for me. We certainly could have taken may more pictures, but we spent our first 4 day cruise running from character op to character op, and I didn't want to do that this time. We got several good pictures, and I'm pleased about that.
Yes, the $$ are significant. However, the photographers and their gear are really quite good. I felt so bad as I watched the lifestyle photographer work. She spent nearly 3 hours, jumping and jumping. And her ability to capture the kids in mid-air also impressed the heck out of me. Rather than comparing the CD to what WDW does, I compare it to what it would cost me to buy the pics. Am I over-simplifying? OF course. Is the CD for everyone? Not at all. But if you are considering it, I wanted to say that my overall experience was quite positive.
Best wishes to the future cruisers!