Well I guess you can kind of choose which perspective to look at it from. Sometimes, maybe once a year or so, I'm willing to pay way more than it's "worth" for a special-event trip somewhere. But leaving aside the rare occasions, yes I'd pretty much pay 90% as much to play a basic course with the conditions I mentioned as to play a more special course.
Not that I always have to pay that much. Sometimes I stumble on a course that really, really suits me and only spend 30, 40, 50 bucks to play there. But I think I'd probably be willing to pay 2-3x that much if I new in advance they had great turf, fun greens and were a good walk. The real rip-off is when I end up paying $100+ for a course of some distinction (due to location, architecture, exclusiveness, etc.) and it's an awful routing for walkers with soft fairways, boring greens and wall-to-wall green lushness.
The course at my club is pretty much as I described. It's a step above a plain-vanilla design (originally Ellis Maples, 1960 with some reworking a decade ago) but mostly it's a great walk, fairly good turf and drainage and a great set of greens and surrounds. I end up spending something over $4,000 a year for maybe 50 rounds there. Plus of course the privilege of private-club membership and so forth. But realistically I'm paying $80-odd per round which I think is reasonable. Maybe not 95% of what I pay every 3-4 years to play the Ocean Course but probably 95% of what I'd be willing to pay to play regularly at a more architecturally distingushed and elaborately design course.
In other words, I'm exaggerating but not by much...