We stay Club Level at the Poly every year and love it. Can't speak for club level at any of the other resorts. The location of the Hawaii building is awesome, right next to the Volcano pool. The lounge overlooks the SS Lagoon and the MK. Extremely convenient to have the lounge right down the hall anytime you want a snack or drink. Wishes at night from the lounge with the music piped in, while enjoying cordials and fantastic desserts. I love to just sit in the AC watching the activity on the lagoon: boats going by, kids playing on the beach, monorail traversing around the lagoon...this is Disney Magic to me! Also having the staff make all of my ADR's in advance with a simple email request is great. Not sure if these things are "worth it" or not as it's very hard to put a dollar value on convenience and magic. These things that I love may be virtually worthless to someone else.