The difference is portability. I tried using an external keyboard and trackpad with the iPad, but they were always in the wrong room. Plus, I tend to use the iPad in a lean-back lap position, which makes it impossible to use external accessories. I’ve used the Magic Keyboard for an hour now, and it’s perfect for home office, especially when the definition of the “office room” changes from hour to hour. Also, the keyboard is very, very fast to type with.
Whether it’s worth it, depends on if your work/business model benefits from the added productibity. For me the added convenience and productivity will be worth it.
Compared with the Folio keyboard, which I had previously: it was not a good solution after the sunset, couldn’t see the keyboard well enough. It tended to tip over too much, when at an angle. The typing experience was fast but a bit alien compared to all other keyboards. There was no trackpad. The Magic Keyboard feels like a way better accessory so far.