@Griff4AU... bang on perfect review.
We have done many cruises, several different cruise lines. Currently we have a 7 year old so the smaller more exclusive boats don't have things for her, so big boats it is... To be honest, I have never sailed on MSC and not been in the Yacht Club... and likely never will.
Your description is perfect, also your statement of people's "sweet spot" is bang on... if you're able and willing to pay for the extras of Yacht Club, they are worth it.
Thanks for taking the time to post your review.