hiya
FOr me its worth it, after Stipends i only end up paying 9 dollars for the year. I have my own mainland lot now that it went up to 1024, so that tier is covered. Prior to that i lived in the newby houses as my prim benefit, which was worth it until they raised the allowance to 1k.
The only other benefit i take advantage of is getting into crowded shopping events on day one