I'm usually rather indifferent unless it's a great course and I've never played it before or it has been a long time since playing there.
If you're naturally frugal, don't bother taking a caddie. I used to think there was little value. If you're on the fence at a place like Bandon or Scotland, do yourself a favor and splurge. More often than not, you'll have someone who genuinely wants you to do well and try their best to help you. Yes, there are poor caddies but you'll improve your chances if you do some homework and call ahead to book a caddy who knows what he's doing.
My wife and I recently played Pebble Beach and had the best caddy at the joint because I called ahead. It was one of my top 5 days of golf ever. I did not make a very good score, but had a walk I will always remember.
I had not been to Bandon in over 10 years and made a point to look up my old four ball partner, Sven. The trip was much better walking the courses with him.