Worth it? Depends, do you like retiring/do it often enough that an extra 3 gens wouldn't be noticed? I have +3 Splinted Leather Greaves over Mail, but that is only because I had planned to retire until I was gen 16 and hit the max xp gen bonus. It conveniently worked out (retiring 15 times netted me a +3 Weapon, +3 Armor, +3 Gloves, +3 Helmet, and +3 Boots).
Of course this was somewhere in the realm of a year ago, and I cannot fathom the thought of retiring again. I have respecced twice since I hit level 33 on gen 16 and only got back up to level 33 a month or two ago.