Memory Maker

As long as you download them all, yes you can do anything you want with them anytime you want. They will be on your computer, not on MemoryMaker. You only have like 30 days to download them, the they are deleted from MemoryMaker.

I think you have 45 days from the date the first photo is taken and added to your memory maker account to download them, although the wording is misleading on the site, I think you have 30days maximum duration between the first and last photo. I've read and reread all the pages I can find and that's how I understand it.
But yes, once you have downloaded all your photos you can do whatever you want with them.

MemoryMaker is covered under the same expiration policy as Photopass:

https://mydisneyphotopass.disney.go.com/help-and-support/policies#1

The download prices are for people that dont buy the package and only want to by a picture or two. MemoryMaker is $149.00 if bought in advance.

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This may be an even sillier question, but what's the difference between PhotoPass and MemoryMaker?

Since I'm always the one taking pictures, there are never any pictures of me on our vacations. So I was thinking about purchasing either PhotoPass or MemoryMaker, but I'm not clear on what the difference is.

Also, how do they work? Do I go to certain spots in the parks and find a CM with a camera and say, "Hi! Can you take my picture?"