There's still a sale on for lifetime subscriptions, right? I'd say it's worth it with the discount, and arguably still worth it without, if only because I don't see STO closing down any time soon so long as CBS still cares at all
about their IP. So that monthly stipend will add up to a lot sooner or later.
Otherwise, it's quality of life stuff that would make the difference for me. Losing all those inventory/bank slots would really suck. YMMV, of course.