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 would put it in the same class as lathes or mills you probably aren’t saving money by buying one but it may open more avenues for you.
I will say though with the price of printers vs mills & etc, a cheap printer will get you much closer to breaking even. You might save more than you spend if you can use an Ender 3 judicially but overall it’s mostly for those odd projects or when a custom part is needed.