In regards to MSC Yacht Club....it is an incredible experience.  It has been several years  since we sailed in YCand before the newer ships totally integrated the Yacht Club.  At the time the YC Dining Room was out of the YC and your butler (in coat and tails) insisted on walking you between the two.  On the newer ships it is now a totally insulated "ship within a ship".  The only exception is if you want to attend the shows.  I would highly recommend it to anyone.