Is club level worth it? It seems to me you would actually save a little money if you stayed in club level and skipped the dining plan. Assuming you ate all your meals in the club level lounge.
Scallywag
August 2004 - POR
May 2006 - POF (Honeymoon Trip)
September 2006 - Royal Pacific (Universal Studios)
April 2007 - POR
July 2009 - CBR
June 2013 - CBR
June 2014 - POF
June 2016 - POLY
June 2017 - AKL
June 2018 - BC
We enjoyed club level(Beach Club) when we have stayed there but the offerings were not full meals. Breakfast was great. The rest of the time more like snacks, appetizers, sodas, juices.etc.
We did club level at the Polynesian. I had 3 teenage boys at the time. We didn't eat any meals there, but I'm pretty sure they went and wiped out all the snacks during our downtime each day. If it was just me, it wouldn't be worth it. If you have built in garbage disposals like I did, it would be worth it.
We usually do club level because it fits with the way we do the parks. We don't really do table service meals (maybe one per trip if it's for a special occasion), so, financially, it works out. Especially when you add in the adult beverages. I will say that we noticed a big difference in the club level amenities during our most recent trip in November (Beach Club). The level of service was MUCH lower than ever before. I don't know if they were just having a bad week, but it was a bit disappointing. They also had a cast member present at all times to monitor the beverage situation, this time. We used to just be able to help ourselves but, this trip, we had to ask for anything alcoholic. Maybe they've had trouble in the past.
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