Crap...I wonder where this Thread will lead...
Anyway, there are two ways to ask that question. The first is "This is what I use my computer for... ... 'Would I be better off using XP or Vista, or Other?" The second is "Do the people who use Vista experience a lot of problems?"
As far as a simple 'worth it', you'll have people filling up this Thread in no time at all giving different opinions that, if history has taught us anything, will be rather nasty at times.
I dislike using Vista both personally and professionally (self-owned computer repair business). When I have to deal with it, I find it clunky compared to other OS's and previous versions of Windows. Thankfully, most of my Clients use XP or Others. Personally, Vista will never touch my any of my family's systems.