First of all I really appreciated the guide Cyber Warrior posted. Being new to this rooting and unlocking stuff, that was an easy guide.
To the original question - is it worth it to root? -- my answer is I have no idea so far but I'm leaning towards saying not really....
I installed Google Wallet, but apparently that didn't even require the unlock and root. As for other apps - I haven't really found any to load that require the unlocked and rooted thing, but I'm not even sure where to look.
So far the only thing that I've seen that makes it worth it is wifi tethering, and the multiple threads on here have provided a lot of different opinions about the best apps and how safe it is. I'm starting to think I just want to play it safe and play within the rules - I'm grandfathered into unlimited data and I feel like Verizon has been good to me on that front.
To be completely honest, I'm still not exactly sure what the "root" part of all of this entails. My phone seems essentially the same after going through this. Someone earlier claimed to have performance issues after rooting - I swear I have had some occasional lag as well that I hadn't had before doing this but that could all be in my head.
I guess there will be a lot more stuff to come out in the coming weeks and I may find that it was well worth it. Right now I'm not really crazy about this - I'm still paranoid about it (thinking I'll probably screw something up) and I haven't seen any tangible benefits.
Again, this is all coming from someone who is new to this and still figuring it out. I may come to love this rooting stuff, if I ever figure out what it means.