Interesting, see this is me exactly. I have often thought about concierge "well, I could afford it" but for me the value is not there. If they had a private pool, restaurant, and cabanas or a private beach area
included in the price that might sway it for me. We sometimes go to all-inclusive resorts and I nearly always pay for club level there because they offer those kinds of amenities. But paying that much just to be fawned over by concierge hosts (who will also add to the cost by several hundred dollars more in tips), pay another $1,000 for a cabana plus drink package and tips, and have a "free" cocktail hour on the ship when
DCL drinks are pretty cheap to begin with not worth it to me. I can make my own reservations for everything except a cabana, and if I need something I can walk over to the gift shop and buy it myself. I note that since we never arrive to port before 1:30, check in is always very quick and easy for us, though I hear it is much more hectic if you arrive earlier.
I actually had the same reaction to "club level" at Disney World resorts. We did it twice and then just decided it was silly for us. We didn't want to cut out park time by going back to the resort for afternoon drinks and hors d'oerves in the lounge, the rooms were exactly the same as the regular rooms, and while we did eat the breakfast, we could buy a nice buffet character breakfast each day for less than the cost of the club level upgrade.