>>300214912
>1. Do you already own an index or vive?
>2. Do you spend an amount of time in vrchat equivalent to at least 6 hours a week (for example 1 hr a day 6 days a week or 3hrs a day for each day of the weekend)?
>3. Do you intend to continue spending that much in time in vrchat for atleast the rest of the year?
If the answer is yes to all three of those then it's worth it.

If you're only occasionally in vrchat or don't like it and don't see yourself playing much of it in the future it's a waste of money.
If you use vrchat as your main form of socialising or you drink in vrchat all weekend then it's an inevitable purchase and the quicker you buy them the more it will be worth your money.