The benefit of having your own Merlin is customisable CE builds and the potential to run double Merlin.
It's not necessary per se, as it's almost guaranteed that you'll always have at least 1 friend with Merlin. But if you like to be independent, then do so.
He's one of the best servants support wise and probably only Waver can rival him in that department for a very long time.
But the most important question is: Do you like him?
FGO is not a difficult game and you can get quite far relying on free 3*s and good friend supports if you know what you're doing. So the strongest defining factor is whether you like the character or not.
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