I really don't know how to gauge it. I see people doing worse and other people doing better, considering my background and peer/family network and networks of others I know. People seem to judge themselves by comparing their shit to others, yet the spectrum of success in society is ridiculously wide. I'm not where I want to be, but I'm better off than many people. It's a matter of countless arbitrary perspectives. Ask me in 40 years, maybe.
I have in the past for a few things. Otherwise, I don't seem to find it useful beyond basic things.
Do you have in mind the next likely phone upgrade?