The most significant upgrades in the Quest 3 over the Quest 2, in my opinion, are the increased graphics performance and full-color pass-through. Other improvements, such as higher resolution displays with a wider field of view, better optics, and comfort and controller improvements, also contribute but are less game-changing.
Overall, if you see yourself appreciating increased graphical fidelity and/or mixed reality experiences, consider upgrading. If those things aren't as important to you, it might not be worth upgrading at this time.