Yes, my husband and I have our own accounts too - but mostly because when
MDE was launched, that seemed the way it was supposed to be. My advice to the OP was based on the fact that their party of 4 is already set up as the owner of the account plus 3 F&F members managed by that owner, and if the 3 others make their own accounts now they'll probably need to call IT to prevent creating duplicates of each person and mistakes in linked tickets, reservations, etc. It would be as if each one of your children created their own account now and you had to connect them so that MDE would know they were the same people you already have included. If they had all created individual accounts to start with, and then linked them as F&F of each other, it wouldn't be a problem. Having separate logins for ESPN Fantasy sports is a different issue, and it makes sense to have individual accounts for that.