We're platinum on Carnival and NCL; gold on MSC.
We live in Manhattan, NYC...and only cruise out of NYC.
Money isn't an issue..but value is!
We are "buffet people" and nobody tops NCL. I call dining in any venue on a cruise ship "pretend pretentious". NCL also has excellent entertainment.
MSC...I live on the pizza. The rest of the food...meh. The entertainment is great and I love the international flavor. And the ships are gorgeous!
Carnival is strictly for convenience and value. Food...except for the cakes in the lunchtime buffet I never found anything to "put on weight" over. Entertainment also leaves a lot to be desired.
I care about "the value" because the better value I get on the cruise.....the more I'll waste in the casino and buying overpriced jewelry.
With all the above being said, like @KmomChicagoI'd like to know why I should spend a lot more for "the same product".