I was thinking about this question today as someone used our work printer for some personal stuff.
As for me, I am printing little things that I would say make it worth it. I’ve printed lens adapters for my camera for example. That’s worth a good 14 to 30 bucks per print. My most favorite photo was with an adapted lens that came from a projector. I also printed IEMs and those things are worth it. Listening to music is second to none on those things. Plus I printed the same shell but for ear protection and again the fit is perfect and sure there’s post processing to get smooth surfaces but in the end it looks like a professional made it. So I think 3d printers are worth it.
I print figurines, busts, and diorama scenery for my son and I to paint. Sure I’ve got my share of functional prints but most my print time is spent so I can spend creative time with my son. So very much worth it for me.