I've pretty much found PP photogs at most main locations. But yes, they aren't with all the characters. It's hit and miss with them. The only "Magical" shot DLR doesn't have that WDW has is Simba. It's a great deal-DLR has some great PP photogs!
Tell your DH that it is totally worth it.
Here's a few of the magical ones:
There's also Stitch eating an ice cream cone-I have that one on the CD I haven't ordered yet.
You'll almost always find a PP photog in Mickey's Movie Barn in ToonTown. Also lately I've seen them in the Sunshine Plaza at DCA. I have almost always found them at the entrances to both parks as well as Towne Square, the hub and in front of the castle. They are also out at night in Towne Square, the front, the castle, etc.