Most of those don't apply to most people I would assume, but while things like health insurance are tangible, the intangible benefits, such as the ability to see your loved one when they are in the hospital, are just as or more important to them.
As for the whole morality arguement - not allowing them to marry isn't exactly keeping them apart. If you think its immoral that's your judgement, but extending equal rights to them isn't going to make the world a worse place. It just means gays can enjoy the excitement of a wedding day and have it be recognized, can list their partner on their health insurance, and do many other little things that married people take for granted or don't have to deal with. I'd just like to hear one arguement why its ok to discriminate against law-abiding citizens just because they are different than you or me.