Photopass in WDW is completely worth it. There are photographers everywhere, ride photos are included, and you can work on your photos online and add things like borders and other special touches if you like.
Shutters is not worth it IMO. Not as many photo moments with photographers ready, mostly the meets and studio style pictures. Borders are added and will NOT be removed unless someone is being Wazowski'd, so if you don't like the border then too bad. In the end you will pay much more per picture with a Shutters package vs Photopass and potentially be less happy with the results.
Personally we are not getting a package on our upcoming cruise. We will likely buy one or two photos, such as one taken during dress up night and maybe another. Other than that we all have our own cameras.