Is it worth learning to fly by instruments? I suppose you could view it the same way you view the value of say buying a car with disc brakes with ABS versus bog standard drum brakes.
Do you need the disc/ABS to drive? NO
Can i afford the option ?
Does the Disc/ABS reduce the chances of things going wrong when conditions get bad? Yes
Is the extra money for the disc/abs worth the benefit of increasing you and your passengers odds of completeing the journey safely ? Up to you
I could go on and on