I've had it for 15 years or so. Yes, I can change my own flat and replace a battery, but like others have said, on an interstate or crazy busy road, having them assist even with hazard lights, cones, etc., and having every tool needed is well worth it. I use the hotel and restaurant discounts, too, the tow features are worth it to me. I've talked to tow truck drivers that are in the AAA network and theirs alone or as a primary network because AAA vets them and pays them on time and in full (generally speaking). Some of the other insurance-based towing can have a vastly smaller network of tow truck drivers, or they initiate situations where you get dinged for extras. I've lived the tale on this one.
By the way, I have the Plus version with AAA for me and the family that has up to 100 miles for towing (the Premier does 200 miles) and multiple such tows within a year. And I've had to use it about three times with significant enough distances to more than pay for 5-6 years of membership fees.