Even if you're not doing it for employment, you could still do a CPL. I did it (along with the 14 ATPL exams) as a personal challenge, plus I had a lot of fun doing it and learnt a lot of useful stuff (plus a lot of stuff that was completely pointless...) along the way.
Worth it career-wise : NO
Worth it personally : YES
You will have to make a call on doing the full IR though before the exams expire. I've decided not to bother and have an IR(R) for the times I need to use it in the UK. That can limit trips abroad but it doesn't worry me as I'm basically a fair-weather pilot.