Everything everyone told you was right. Just get a photopass from the first photographer you see. Fill it up with as many photos as your family will put up with. Feel free to grab a photographer if you are waiting for a parade and eating ice cream and want your photo taken with ice cream all over your faces. You don't have to do just what the posed shots are. Be sure to get ALL the MAGIC photos taken in the parks: MK: Tinkerbell, Captain Hook (by POTC), Haunted Mansion, Stitch. EC: Tinkerbell. Studios: Stitch (different one). AK: Simba. Have the photopass ready to go for character meet and greets (the ones you queue up for). If you go to Cinderella's Royal Table, or you purchase photos from any other character meal, take the number in the upper left corner of the photo and add that to your photopass. When you go to the boutique have the card ready for the photographers. When you go to the studio to have the formal portraits taken, have the card ready. Take day time and night time photos. Come up with your own creative ideas for photos.
Then when you go home, go to the website, pull up each of your photos. Edit them, decorate them with Disney borders and signatures and overlays. Save each edit. Go back to the original photo and edit again and again as many times as you like. All your edits will now be on your account as well as the original photos. If you took 200 photos, you might have 800 photos now. Then order the CD. The web site should say $125, but then when you enter your promo code, the price will go down to $0. Your CD will be mailed to you in about a week.
And write the number of the card down somewhere and keep it somewhere safe. With just the number, we can find your photos if you lose your card.
If you decide not to do the CD after pre-purchasing it, I believe they will refund your money.