If you like fine dining, fine wine, romantic atmosphere, dressing for dinner, trying new things, going outside your food comfort zone - this is for you and is soooo worth it.
If your comfort level of food is plain, basic, think Coors is the ultimate in beer, don't like "weird" food, don't like wearing a jacket or tie - this is not for you - save your money.
Not making any judgements. Different strokes for different folks but if trying things that you will not see on the menu of Olive Garden make you nervous, you would be happier dining at Fultons or Yachtsmans or Rose & Crown. Still good places to eat. Good steak, good lobster and you don't have to wear a jacket.
Just do what makes you happy and that you will feel is the best value to you.