I own a 3DS XL and I say it's not worth buying. The games are too expensive and for some strange reason Mario games are priced very high which is stupid.
You might as well buy a Xbox360 game used or new with the crappy pricing of a handheld game. That way you get way better graphics and a bigger screen. I can't believe the outrageous prices retail stores like EBgames want for used 3DS and especially DS games. It really turns me off from using my 3DS. I don't care if you think I'm trolling, I can't stand the prices which is important if you want to play your handheld.
Don't listen to anyone one sided on which 3DS to buy. See if you can try them at a store and see if you're more comfortable with the regular 3DS or the XL. Personally I'm on the regular 3DS, but I'm not gonna try to convince you to get it, try both that and the XL to see which you like more.
For the games, I'd say yes it's worth getting. If you like RPGs, there's Fire Emblem Awakening, Pokemon X/Y is coming in less than a month, Kid Icarus Uprising is a great (I guess Action?) game, but it's up to you if you'll like the controls or not.
There's plenty more games coming, and There's also news that the 3DS will get Miiverse soon.
So in short, yes it's worth to buy.
ALSO, Regular 3DS is $169.99 I believe XLs go for $200 And a 2DS is coming soon for $130, which is a cheaper version of the 3DS, only without the 3D and no clam shelled. It's just one slab with the usual 3DS interface and very durable. (But it's mostly aimed at younger kids, since they tend to break things with hinges, but a lot of older people are planning to buy it too.
Palutena: "I really can't imagine you being in a "melee". Pit: "That's because I wasn't -_-" 3DS Friend Code: 0430-9368-3384
if you do get an XL, i recommend a screen protector. the bumpers on the system suck, so you need either a screen protector or suplamental bumpers from a hardware store to keep the system from scratching its own screen, if youre a heavy user like me anyways.