Sorry for crashing your board, but this has been heavy on MY mind lately, too!
1) I would definitely opt for it! More things - good and bad! - come out of premarital counselor
when done properly than most people could begin to imagine!
2) You get a more realistic idea of what your future mate thinks about topics that you hadn't even begun to think about! As for cons, yes, garbage comes out, too!
3) I would still go. It's too important to ignore.
4) When I was married the first time, we sat & talked for two 1-hour sessions with the pastor - mostly about the wedding. It didn't do very much good, although the pastor who married us later apologized to me (after hearing what went on during my marriage) for feeling that something wasn't right but not speaking up.
I've since been a counselor in a Christ-oriented divorce recovery group, and have gone for counseling the two times I've even gotten serious with a guy! This pastor really knows his stuff, runs some tests, and generally gives you a better sense of if you should be seeing each other or not. I'm now engaged, and we're seeing two different counselors!
5) As a believer, spiritual is the only way to go, for me!