It is definitely worth upgrading to 3.1.
The main benefits are that you can then install the later 3.1, 3.5 and 3.9 versions of Workbench on your A1200, and so take advantage of their improvements.
Games booted from floppy disk, or installed to HD will generally work the same using either 3.0 or 3.1 roms. Some of the last software and games might require 3.1, but it will be very rare.
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