In this scenario the MCC/MFC Premium option is a good option for 2019 onward, that's what I am as I'm also stuck on MCC Restricted Membership for a few more years.
This year it was $219 as opposed to the standard option $87 (on top of your MCC Membership) but it has the following benefits;
* 3 game guest pass membership that allows entry to MCC Reserve for selected MFC home matches (or entry into the public reserve for up to 3 home matches)
* Free Young Demon membership for a child under 15 years (as at 1/1/19)
* Priority access to purchase finals tickets, when Melbourne participates. (this year it's Priority 2)
Bring a mate to those 3 games and make him buy you food and drink in return and start chipping away at that $132 difference aha