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It depends on what the cost is, where you live, what stations are available and what kind of music you enjoy.
When I bought my current truck, I negotiated the dealer-installed HD radio into the deal. Where I live, there are 11 stations broadcasting in HD, of which I listen to three. One of the stations I listen to has a sub-channel which broadcasts commercial-free. So, for me, I am able to use it quite a bit locally.
When I travel (central US), there are not a lot of stations away from the population centers that broadcast in HD. Again, depending on where you live, it will be different. I would imagine the coasts have stations in reception distance most places.
The quality is hearable, IMO. It ups the FM sound to about CD-quality. AM sound improves a lot also.
Each person will have a different cost/benefit answer. If you're looking for quality, and a station around you has a channel or sub-channel which you would listen to, it's worth it depending on the cost.
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