Short answer
A genetic test is worth it if a specific result would actually change a decision you make, about your diet, your training, your medication, or your family planning. If nothing would change, you may not need one yet.
The most useful question to ask first is: what would I do differently if I knew? If a wellness result would help you stop following diets built for other people's bodies, or a carrier-screening result would inform a pregnancy decision, the test earns its place. If you are testing only out of curiosity with no decision attached, that is fine too, just go in knowing that is what it is.