I decided for me, it was a good option, but to be honest, it was not a driving force in my life. I'm glad I did it, but I could have been fine without it. It was like fixing something that was a minor annoyance for me. I think far too many TSs overfocus on SRS as defining success in their transition. This can lead to a lot of frustration and disappointment.
Most people have limited financial resources to get through transition.
SRS is the last step most people take, and it should be treated as such. You should plan on getting everything else you want done first if you can. Those who focus in SRS to the exclusion of other transition issues like self-acceptance, hair removal, and voice practice often find that it's difficult to function in society at large. I don't derive my identity from my genitals. Those who do are setting themselves up for some serious potential problems.