I’ve only run into a handful that don’t allow lounge access. Most don’t give stay credits, but the lounge hasn’t been an issue for most stays. I focus on eating healthy, so I never use the lounge for anything other than breakfast though. That and bidding early start/early finish trips kind of limits trips to a lounge. I use the Bonvoy Amex card and think that it pays for itself with breakfast alone, but I’m also the guy who will get up early for a healthy breakfast rather than eat fast food at the airport or a crew meal.