Every family has a unique tolerance for what is "worth" what to them. We have been to CRT 3 times now over a 10-year time span, and we've paid for it out of pocket each time (we never thought it was "worth" 2 dining credits, but we had no problem paying OOP, LOL). We went twice for breakfast when our kids were much younger, and my daughter's one request for her Sweet 16trip was dining in the castle again; we tried it for lunch that trip because that is just how it fit into our schedule. Would we go back? Absolutely! Do we need to? No, but I'm so glad we have had the experience!
We have always felt that in WDW, we usually get what we pay for, so if something is very expensive, it's *usually* super-awesome. We have been to both Akershus and 1900 PF, and while they are cheaper, and great experiences themselves, they both lack that extra pixie dust that IMO only the inside of Cinderella Castle can deliver. To me, $50 PP (averaged out over the number of people in your party) doesn't sound all that crazy for a once-in-a-lifetime experience your family may always cherish (keep in mind, I am from New York, and living is generally expensive around here...I could barely go out for a nice lunch WITHOUT princesses and wand ceremonies for $50 LOL). That said, your vacation will be magical with or without CRT. In the end, only you can decide what's "worth it" to YOU.