You probably should because it determines the rates you’ll pay when you get a loan (mortgage, auto, etc).
But I agree, security is absolutely the bigger concern, especially if you won’t need a loan anytime soon. That said, those monitoring agencies are worthless, just get an app like Credit Karma or Experian (free, don’t pay for anything they offer) so you get alerts when anything changes in your credit file. If you get a new account alert and you didn’t open one, congrats, you’ve been hacked! You’ll get a lot of spammy notifications, so maybe check it every month or two and disable notifications.