For me, it's a matter of enjoying life to the fullest. We've always taken our vacations at the All Stars. "All I need is a pillow!" we'd say. We'd look at concierge and pooh pooh the cost, yet always wonder why our MIL spoke so highly of them.
Over a year ago, I shattered my ankle, and thought I'd never walk right again. I had to learn how to walk, just like a baby, without strength to hold me up. It shattered me, for quite some time. Along the way, I realize that there's beauty in little things - an old woman's smile, the light hitting a window a certain way, the laughter of children, spending time with my family. One freakish accident made me realize that I can't take it with me, and that my family would be best off enjoying great memories with their Mom, than all the money in the world.
I've not stayed Concierge level yet, but hope to this winter. We are choosing it for the extra itinerary services, the snacks (we've a thirteen year old who's eating us out of house and home - wanna see what kind of damage he can do to the offerings at concierge... LOL! I think we'll make up the difference alone in the 'free' bottled waters $2.50 a pop for each in a family of four, twice a day?? egads!) and the location.
MOST importantly, we are staying concierge for the Guest and CL Staff interaction. I will NEVER forget being on the
Disney Cruise, and becoming very good friends with our Cabin Steward. When I was sea-sick, he brought me cold wet towels, wiped my face, and woke my dead-to-the-world husband. When my children became sick, he went down and brought up medicine. He went above and beyond the call of duty on sooooo many occasions, I can't even mention. On top of that, we became good friends with him, and learned of his country in the Philipines. We learned of his dreams to own a home. We learned of him trying to build a better life, not only for his small family, but for his extended relatives (land ownership is scarce there, and he'd just purchased.) Both our daughters are the same age, and he really enjoyed (and missed his own) playing with her.
That experienced touched us, made us realize that in the hustle and bustle of a typical vacation, you don't get the opportunity to really get to KNOW the individuals who care very much about their jobs to make your vacation sparkle. We are staying Concierge to get to know the people behind the Mouse, the people who care so much about their jobs that they make it a point to go above and beyond, every single day, to make us smile. And THAT, to me, is priceless.
I know it sound stupid, but for us, staying Concierge is NOT about the finer things in life; it's about not only stopping to smell the roses, but to learn about the roses themselves.
Therefore, I treat myself to these pleasures, without giving too much thought/worry to the cost. I justify it very easily, and enjoy living life while we are able. After all, our moments are all borrowed...and life is fleeting. Enjoy every moment, to the best of your ability. I know you would LOVE the CL service of AKL, and all the other ammenities (safari's, concierge service, etc.) included. 
