We have only stayed at 2 CL's so far at the WL and YC. We will be trying CL at GF next year.
That being said:
1- Wilderness Lodge!

2- Because everything about it was fantastic...our room, our view, the CL staff, the food. Simply top notch.

3- OK. The million dollar question..."is it worth it?"...
Short answer: I guess we think it's worth it, because we keep booking it.

The only reason...because we really like it.
Long answer: We are also a family of four, two adults, two children. DH and I love several things about CL
-the extra level of that Disney service - the CM's really go above and beyond.
-knowing where our room will be...typically CL's are on a particular floor or in a particular building. These floors and buildings are secure and only accessible via CL KTTW card.
-we are not huge breakfast people so the continental breakfast provided (cereals, pastries, fruits, bagels....sometimes hard boiled eggs) are perfect for our family, and it's so convenient to go down the hall and grab something before heading out to the parks, instead of waiting in line at a quick service place
-we do enjoy access to beers, beverages, and fresh fruit for our kids. We tend to spend a good amount of time at the resort, so having that stuff right the is awesome.
-we love turndown service. Getting fresh towels at the end of the day is nice!
-we like having the extra space to hang out in, besides our room
-the hot appetizers at night often provide the perfect amount of food, because we tend to eat a bigger lunch and then snack in the evening.
-we like that with IPO, we have direct contact with people in our planning process. I love being able to call IPO with a question and get a person, not an automated system.
-we do feel pampered on CL. We do not live all luxurious in our everyday life. We have a modest home, modest cars and so we like to go all out on vacation.
Ok, so now that I've babbled, if any of those things sound good to you, than CL might be worth it to you.
One other thing to consider is the cost. It's quite a per night price hike from a regular room to CL. We booked our 2012, 2013, and upcoming 2014 CL trips all with a 40% discount. So we are paying even well below a standard room rack rate and getting CL. At that price point, it's worth it to us. I don't think we would do it without a significant discount though.
DH and I have the worth it debate after each of our stays, but always decide to book CL again because we greatly enjoy the experience. Our girls do too!
So, after that long winded response, good luck deciding!!!
