I would be surprised if club level doesn't reopen sometime in 2021. Universal's resorts have club level open.
As for the dining plan, I would expect they bring it back. It is a good money maker for them. And, so many people come during the off season to get the free dining discount. This helps Disney disperse crowds. Right now, they would make too many people upset if they offered it because they would not be able to use their dining credits due to the limited amount of restaurant space with social distancing. As soon as social distancing requirements go down (like this new 3 feet instead of 6 feet thing) or go away, I think they'll bring it back.
As for club level, of the 3 you mentioned, I have only personally done WL. I liked it. It was not a good as contemporary's CL, which I think is the one to beat. Not sure if Yacht Club would be similar to BC's club level? I've done BC's and it was nice. I would say it was on par or maybe slightly better than WL. I have no idea what AKL's is like. I can tell you that I, personally, would be doing some research before booking that one. My experience has been that the menus for the club levels stay on theme with the resort. That being said, I would be researching the menus and pictures of AKL's club level before I committed to it to make sure me and my family would enjoy the food selections.