I don't know if I'd go that far, these ratings have really paid off for me. PIC is a pretty big deal the further you go down the road. Also, getting my multi-rating was huge. I've logged about 30 hours of multi time and have never paid for anything more than my rating. Flights come up and I have had the OPPORTUNITY to go on them and log the multi hours. Without the rating it would have been nothing more than mental experience. Get what you know you're going to need (gonna need that multi) and never turn anything down.