To give you a real unbiased answer as someone who's actually used the headset, the Quest 3 is the best VR headset you'll get for the money. Pancake lenses are amazing, performance is really good, software has gotten ages better since launch. Meta throttles the chipset a lot, with QGO (an app) you can meet or be just under PC quality on most games, but the base headset is fine by itself.
As for games, there's never been a better time to hope in. But I'll be honest my Q3 is practically a beat saber machine at this point. I haven't found another game to be as enticing. Pistol whip was meh, I couldn't get into B&S or Asgards wrath, Metro Awaking isn't my type of game. It's really up to you to decide how valuable VR is.