My wife asked a somewhat similar question this weekend, as I was asking her what color she'd like her magic band to be, OR if she wanted to upgrade to a character or otherwise more special band. But on the Disney store site, you can see the generic bands go for about 13 bucks, and she thought therefore we should be able to get a $13 credit towards any magic band we wanted. When I told her it doesn't work like that she just picked a color, couldn't justify paying the extra money when that's cash we could use on the trip itself.