My family and I live in Northern Ca. We have the Deluxe annual pass and pay monthly, $75 a month for 3 people is much more affordable than the 1300 up front. We make a trip about 3 times a year and stay for 3 or 4 days. So for us it is very much worth it.
Our last trip was the 4 days before Thanksgiving and the park was very crowded, I am not a big believer that if Disneyland starts the Christmas party stuff in the evening and makes you pay extra for it I would go for it. The crowds in the evening were just unreal and most of the people were rude. So lets weed them out.