"Worth it" is a difficult because it's different for everyone. Some people just can't find a community they want to be a part of within SA-MP, creating your own server could be a good solution as you can craft your own community and shape it how you want it. If that's the goal then it could be worth it, there's a lot to learn when setting up a server and keeping a community going (including dealing with issues within that community) and that could be very helpful outside of SA-MP too. If you're just making a server to make money: Just don't, it's more worth finding a (parttime) job to make some extra money.