With 0 perks in speech, my Rogue owned 3 houses (including the one in Solitude) and more gold than I possibly knew what to do with. Totally not worth it.
Perks in speech is a guaranteed regret.
Not if you lack patience, as I do so for me its totally worth it.
I am going to roleplay a greedy Altmer mage that wants at least three million gold, so ite totally worth it.
Without the speech perks I own four of the houses because I cannot begin Blood on the Ice if that quest was not bugged I would already own that too.
I just want to get rid of my excess gear and sell ny expensive potions for a profit so for me its worth it.
Also I don't use my perks to super power my character I use them to fit with their personality. I am not implying you make your character super powered just stating I do not ever do that unless it fits the character and I an stating that it suits at least two characters of mine, one I am playing now and another build in the future.