If you don’t go frequently (at least twice a month) and you don’t need the parking benefit it’s not worth the extra $500, especially now that the two weeks around Christmas are blocked out. Even the “extra” discount doesn’t pencil out to that much more in savings unless I guess you are spending tens of thousands of dollars on merch.
My SIL lives 15 minutes away and my brother always drops her and my niece off (he doesn’t go) so Believe makes more sense for them even though they went more than twice a month (before my niece was diagnosed with cancer—they haven’t been to the parks since July despite panic-renewing their Magic Keys for fear of losing them forever even though they can’t visit again until at least May—thanks for that Disney ).
Well, we did almost 50 visits last year and the only place I am willing to park is M&F/PP structure so it works well for us. Believe blocks out too many Saturdays and since we like to stay until night-time, Sundays don't work for family days due to work and school schedules.
It's also a bigger food discount. We spend a LOT on food. The extra 10% merch discount is handy, but we don't spend that much on merchandise.