Honestly, the beauty of the Kemper is that you can set it up quite simply and not go down the rabbit hole of all the things it "could" do. Yet you also have the ability to do way more if you choose to go that route. I set mine up one of two ways. One performance of 5 rigs using increasing gain on the same type of amp with a boost, dirt, EQ and delay stomp. The other is one performance of five rigs that cover all the ground I need for a gig. A sparkling clean, gritty clean, good driven tone, hard driven tone and usually my Road King with similar stomps set up. It takes a couple minutes to set either option up and works great. Another guitar player I used to play with created one performance for every song we did with specific effects tweaked specifically for every song. Same gear, two very different approaches.
I also use mine for electric, acoustic and bass rigs. I've sold a ton of gear I don't need anymore and only bought one pedal in the last couple years (I'm not a fan of the internal fuzz offerings). If you're doing a variety of things with it, the economics definitely work in your favor.
Having something that is built to handle the rigors of touring (or just regular gigs) is definitely worth a few bucks to me. I made enough from my infrequent gigs to cover the cost of mine in a few months, so it wasn't an unreasonable expense to me. One friend has gigged his Kemper four days per week for five years and never had an issue. I carry an emergency backup, because that's my nature, but I don't expect to ever need it. Frankly, there is a much better chance of issues with multiple pedals, power supplies and cables.
In the end it's a preference thing. Neither approach is wrong, just a matter of what works for you.
