I regret not doing it when I had the opportunity. It’s kind of like a company match, in that they’re basically giving you free money if you contribute.
That said, there is still risk associated with any investment.
I had a very similar issue. My configuration included a guest network, so I’m not sure whether that applies exactly to your situation. However, I couldn’t find a way to resolve it. I ended up having to factory reset it, after which point things began working properly. No idea which setting broke me, but setting up guest WiFi blocked all IPv4 traffic from all of my devices, even though they weren’t on the guest network.