That will totally depend on how big your party is, what the rate difference is, and if you will be at the hotel during peak club hours.
I have never stayed club at PBH (our fave is RPR) and we ALWAYS stay club there, even though we are 2 adults. It is totally a matter of convenience for us. I enjoy the continental breakfast (~ 7 am to 10:30), and love that I can enjoy the club lounge while hubby sleeps in. We plan our days to leave the parks around 4:30/5 for "beer o'clock" (5-7 pm) in the club lounge. Many people prefer to be in the parks during this time and miss out, so feel they don't get their money's worth out of club. However, it is a nice break in the day for us, and it is transition time between the parks and going out at night to City Walk.
Only one time did we ever make dessert, but we're not dessert people. I believe that starts at 8 o'clock.
Club also gets free access to the fitness center, but so does a Loews First card.
We love it too for the never ending suppy of bottled water, tea, and soda. We don't make grocery stops any more.