I swore I would never waste my money on one until I started car pooling with a guy who had one. I bought a used one soon after and loved it. That Jeep is long gone but when I looked for the one I own now I was sure to find one that had a hard top for the winter months.
Do you need one? No, but they sure make the Jeep a nicer ride in the winter... warmer, quieter, easier to knock snow and ice off, and it makes the soft top last longer not being on the Jeep all winter - especially if you live in an area where they salt the roads like I do.
I'd look for a used one. So long as the glass and tailgate are good your fine. You can get new seals easy enough and they are a cinch to paint.
by the way, now is the time to buy a used one. When it starts getting cold they go for a lot more money.