I think “worth” is different to everyone! If you’re talking about material wise, it’s definitely not! However, as an owner of a JUC w/ diamonds, I can tell you I am so happy and wear mine everyday!
I feel it would be a waste to settle for the one without diamonds if your heart loves the one w/ diamonds. I’ve heard from many members who have ended up selling theirs without findings to fund the one with diamonds (and usually take a loss).
Always worth it to save more for what will make you smile when you glance down at your wrist!