Good to see you are gathering information. (And thanks to guys posting the links.)
Lower surgery is a really interesting thing to learn about. Yet for most of us, that only comes after at least a few years into transition - social, medical, and often legal. It's rare for guys to get lower surgery, for instance, unless they have been on T. (And for a meta, T really helps the eventual results.) Testosterone brings not only physical changes, but also mental and emotional ones. For me, that "fit" is one of the main benefits.
So the "is it worth it?" question is a very very personal one - and not just around a meta or phallo. What experiences have brought you to this point? When you imagine yourself a few years down the road, how do you see yourself walking around in the world, being understood and treated by your friends...by strangers?