I'd wait until your warranty is up. What is it? One year? A year goes by quick.
This may seem hypocritical since I've rooted my phone, but I have a lot of experience rooting and ROMing from past phones, so I sort of know what I'm getting into. I've been through the ups and downs of customization, from milking an extra year out of a phone that was well beyond being obsolete, to having to restore a phone from the ground up using the Motorola software.
Why did I root my S5? It's kind of a long story.
Whenever I get a phone, it's of course very fast and responsive. On my last two Moto phones, as updates were pushed, the phones seemed to get more and more sluggish. I don't know why this is, but I have a theory (probably wrong) about phones being optimized for the current version of Android that's around when they were made, and as each new Android version comes out, it assumes better specs, so the older phones just don't cut it. I came up with this theory when I had to flash my Droid 2 back to Froyo. Once done, it was fast as new, but by the time it was done updating itself to the latest everything, it was again dead slow (even before installing any apps).
On my Razr M, Verizon pushed an update that killed FoxFi, which I use a lot. So I decided with my S5 that I'd do a test. I've denied all OTA updates, period, and I'm going to see how things go by leaving the phone exactly the way it is other than installing some apps. I needed to root to avoid the updates, and it also let me do things like get ride of that nonsensical volume warning and the bootup and camera shutter sounds.