If you are one of those people that notices 'artifacts' on screens and makes a big deal of video appearing 'blurry/grainy', then do not have a VR headset(yet). Wait until they release newer models with higher resolution. You are going to hate the "screen door effect" on current gen headsets.
Agree - for the vast majority of VR games you’ll be fine. It is definitely worth getting. It’s not something that will replace a monitor as your primary display but it’s great to do all the experiences and games.
I love the looks on people’s faces when they try it
If you can tolerate the 'screen door' effect and are not planning on playing any demanding games, then you'll be fine with either headset. If you decide to hold off and wait for a better headset(higher resolution) then you will for sure need a higher end graphics card regardless.