I have said before that I believe when Froyo is available in the "official" sense...rooting will be less of an issue cause it looks like 800MHz is going to be the new "stock" speed. That is a great improvement and with JIT...stock will be fast again.
Rooting needs to be your decision. Right now, I am running the new Sapphire source ROM and I have found several things that don't work quite right. I haven't been able to watch movies on my droid since Froyo was leaked.
I understand not wanting to root for people like my company's CFO that has had a droid for 2 months and still can't put a new widget on his homescreen. For tech savvy people...I don't know why they wouldn't but I like to tinker and most tech savvy people do too. Are there risks? Well yes, but they are minimal. Could you miss a call or two cause you are in recovery mode flashing a new ROM...yes.
This is going to sound pretty sad...but tinkering with my phone, beta testing, flashing new ROMs, finding compatible themes...I LOVE THAT! It is a big part of MY Droid experience.
Should you Root? Probably not. I would guess that if you were that into tinkering with your phone that much, you would have rooted it in the same amount of time (or less) than you have been on this thread talking about the "WHY"?
I'm giving this viewpoint to you NOW...Because now, I have seen what you will be getting in a stock package soon and if Froyo does come with an 800MHz clock speed...there is not as much reason to root for speed. If you are not already accustomed to the things that only a rooted phone can do (as johnagalt put so nicely above), why would you?
I'd root just to change the theme of the phone! I can't stand the white notification bar.......that's just flat out ugly IMO. Again, that is for me...you need to do whats right for you