I pay for my Game Pass subscription with them. On average, it probably takes about a minute of interaction per day - I've macro'd the searches, so I'll just leave my computer running the macro for a couple of minutes while I go and get a drink, clean my teeth, etc. Other than that, I just have to click all the links and then immediately close the tabs they open. Some days it takes a little longer because there are quizzes, but they're rarely more than an extra minute.
So overall, I think it's worthwhile for me;. It's probably half an hour of "work" per month to get Game Pass. You can redeem points for other things like Amazon gift cards, too (although obviously they're lower monetary value per point than Microsoft'own products/services).