Is it worth it?

[Triumph]

Just saying from my perspective:

I have to pay for car insurance and gas. And my personal extra living expenses. My parents pay for food, but if I want sodas/gum/desserts/etc, I want to have a little pocket change, and not get fully broke after tax season rolls over me.

Also:

I recognize that you may not be a hardcore grinder. But if you want to look at it statistically, making everything +9 makes it the most efficient. I personally wouldn't bother with making armor +9, since you'll outgrow it anyways. A good weapon can last for a long time, and a shield +9 is a worthy investment, I think.