I believe it comes down to a toss up between the quality of the cruise vs the incremental value of the perks. If you desire sailing on ships with a more upscale vibe, and have no desire to sail on an amusement park, the price differential may very well outweigh the perk differential.
We have a 7-night Retreat Suite booked for January 2025 (AI) for ~$7500, and a February 8-night booked on Adventure in a GS for~$6800. Even with all of our Pinnacle perks thrown in to the mix, there is only about a $700 differential between the two cruises.