Welcome to Cruise Reviews.
You will get many repsonses to your question.
A direct answer is YES, balconies are worth it
Can everyone afford it, no.
For me to enjoy my 2-3 cruises a year with a single rate, hard to always have the higher catagory cabins.
Certain cruises having a balcony is a must.
Panama Canal, Alaska, Med. come to mind.
Many cruisers prefer an inside cabin ?? They enjoy the darkness to catch up on sleep.
I have been on the Star twice. She is a lovely ship. When are you going??
Let us know what you decide & Enjoy your cruise