I have had and used the card about 10 times over the past few weeks. The only advantage I can see is the bonus points.
I have used online shopping for many years and also have had a Tesco Credit card for many years.
So, instead of paying for my online shopping with my Tesco Credit card, and earning points, I pay with the plus card and get additional points. I have the inconvenience of transferring cash from my bank account to the plus card to earn these additional points.
when the additional points disappear from Clubcard pay plus, so will I

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I agree wholeheartedly. The only advantage is the bonus points. When the bonus points disappear so will I sapper!