I haven't personally been in concierge on the Dream or Fantasy (all the bigwigs had the suites on the Fantasy's maiden voyage last week!) but sailed concierge 3 times on the Magic.
Kids are welcome in the concierge lounges and on the concierge sundeck. The sundeck has panels around it to separate it from the adult sundeck area (and new satellite falls area on the Fantasy). The concierge always does special things for the kids, including coloring books, arcade cards, popcorn for movie nights, etc.
Once you book a concierge room, your deposit is non-refundable, and I don't think you get the discount if you are transferring an onboard booking (if you've sailed them before and booked a future reservation while onboard.) I think you can transfer the reservation to another cruise, but it remains non-refundable (unlike most deposits that are fully refundable up to 75 or 90 days before the cruise.)
If you really want to sail concierge, and are planning to sail during a popular time of year, then I'd book as soon as you were sure. If you aren't committed to it, or decide you'd rather take another cruise for the extra you'd spend on the concierge room, then I'd hold off. I have a friend who only books concierge, and this August he'll have sailed in the Roy suite on all 4 ships (we've only been in the Roy on the Magic, which was fabulous!)
If you really want to be pampered, and your cruise stops at Castaway Cay, the private beach cabanas are fabulous!! The ship's concierge staff wait on you all day in the cabanas, and you have your own beach area, plus all the beach toys (snorkels, bikes, rafts, floats, toys, hammock) and amenities you need. Plus a buzzer to call someone whenever you need a drink, or a ride somewhere!
Cathleen
Mom to DS 8, DD 5 and a Greyhound Princess