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.
When you say you printed IEMs and ear protection, are you able to elaborate?
In my case I've only just gotten into FDM, and I'm having a lot more fun with it than my resin printer, but I might have made enough things for the resin printer that might make that a lot less of a chore.
So far, the FDM has been handy with quite a few functional prints around the house (certainly not yet enough that I can say it's cheaper than just buying the items outright, but we're getting close!), and that's been an enjoyable process.