We love club level; though we have only stayed club level at BWI. We just got back from our most recent stay and loved it as usual.
We spend quite a bit of time at the resort, so we are there to enjoy the lounge - we use it every day for breakfast and most nights for cordials and deserts, along with stopping by for snacks and the dinner offerings at least a couple of nights during our stay. The CMs who work in the lounge at BWI are great and we enjoy chatting with them as we relax with a snack.
We like having the IPO to make our reservations; while I enjoy planning, I don't enjoy calling in to make the various ADR's and reservations for various excursions and I find it much easier to send of an email for them to make changes (this past trip we made a LOT of changes
).
Also, at the BWI, we get a deluxe room - extra space and guaranteed Boardwalk view which we love.
We also love the Wilderness Discovery Excursion at the AK (available to anyone staying at any Club Level).
If someone spends all of their time at the parks then it probably isn't worth the additional cost, but as with almost everything else at Disney World (or at any vacation location for that matter), value is in the eye (and the pocketbook) of the beholder.