For most people who never leave home with it it's probably not worth it.
But I've found two instances where I was very glad I had it at home. One was when I was t my sister's house and we had a very bad storm, tornados etc. We lost electricity and had no way of keeping track of the storm (yes, she should have a radio but doesn't). I used my cell service, which still worked well and we knew when to go to the cellar.
The second was just last month when the box outside our home that controls our TV/Internet blew out. We were without service for 3 days while they tried to fix it. Sorry to say that we are addicted to information. With our iPads we were able to stream some news, access the web, get email, etc. I know we should be able to survive just 3 days with no tech but in these days it's hard. So glad we had cellular iPads and ATT had just upped our shared plan to 30 gigs of data.
I always but cellular, mostly because I travel a lot, but I really don't think I want a wifi only. But that's just me. I prefer options. Plus with T-Mos free 200mv of data every month at least Find My IPad will work too.