If you have never stayed club level - maybe.
Personally I rarely pay for club level at Disney as I don't find it all that special anymore. My dh travels way too much for business and we often get upgraded to CL because of his status and honestly I don't think its worth the $$. Even more since you have the Dining plan.
Take the $500 and do a fireworks cruise or just save it for the future. I know its sounds like your "mother speaking" but.....
You are going to be at a beautiful resort, you will have a fridge and a balcony. Get a few snacks and beverages and keep them in your room. You are on your honeymoon, don't spend extra $ to have a snack in the lounge when you can hang out with your new DH on your own balcony, etc...
Either way, congrats and have a wonderful time
TJ