I'm mostly just venting frustration about a situation over which I have no control, but in case anyone else finds themselves in this weird position...
I'm in a weird AP place: my Silver AP expired March 23. I renewed early at the end of January, and I upgraded to Gold while renewing because I planned to use PhotoPass for the April race weekend, and to go the parks on a summer trip. I do monthly payments, so as of today, 3 payments have already been made, even though the renewal AP hasn't been used and only became active March 24.
So if I were to go with option 1, I'd only get one of those three payments refunded, even though the other two were made in advance on a renewal that wasn't yet in use. My March expiration would remain in place, and I'd have a more expensive AP (Gold vs. Silver) that I can't use the added benefits of, since the parks are closed through April and I see no way it'll be safe for me to visit in summer (underlying health issues), even if they manage to open. This was confirmed when I tried calling this morning: they will not refund the two previous payments, only the last one.
If I go with option 2, I'll have the Gold AP longer with an expiration extension, but how much longer? If it won't cover next summer, the added benefits of the Gold are useless, since I wont' be able to use them.
The two CMs with whom I spoke today agreed that I'm in this weird, grey area that isn't covered well by any of the options. I was told to email corporate and explain my unusual situation and see if they'll either cancel the renewal completely and refund my 3 payments, or downgrade me back to Silver so I at least won't be paying for additional benefits I can't use. I sent the email this morning - we'll see. It's frustrating, and I'm kicking myself for screwing it up by renewing early, but I had no way of knowing any of this was coming.