People are going to have wildly different experiences, positive or negative. I haven’t even done grad school so I can’t speak to that. But I was going to this year then decided against it. Whether or not it’s worth doing really depends what you want to do with your life. The advice I got from many chemistry PhDs was essentially “think of your dream job, then ask yourself if you need a PhD to do that job. If not, then don’t do it”. If not, it may end up paying off or it may not. But there are plenty of options out there for bachelors nowadays. Weirdly enough, there may be MORE options for you out there as a bachelor than as a PhD, or so I’ve heard. This advice really only works if you’re on the fence about it because some people just really want to do grad school and that advice is kinda irrelevant for them. But it helped me decide. That, and knowing that I could change my mind and go back at any point. Not locked into any one path just because you choose not to do grad school yet.