Fast Pass at Disney isn't great. The popular rides fill up fast. So you can use it maybe 3 times a day at best. I do think the app and wrist-bands are well implemented though.
Universal Express is legitimately good. Works all the time. It's very expensive unless you stay at the on property hotels, so that's what we do.
I know some "Disney Adults", I don't quite get it, but I do think the hotels are nice, there's a lot to do and it can work. Walking from Beach Club area to Epcot, getting dinner, having a couple beers and then seeing the fireworks is perfectly fine as an adult. Disney Springs is more adult themed as well.