You have to be a member for like 4 months before you can upgrade above 2 games (at least it used to be like that, I've been a member for almost 6 years), 2 games is fine, I just pay extra just in case there are times when more games come out than can fit under two game plan (example a game comes out and two come out the next week). I should probably move down to two on the off seasons, but I never think about it and it makes it a bit easier to make sure I have a game in hand if I am waiting for one to ship.
As for if it's worth it, I think so, I can get a game shipped and have it in hand the day after release date and it could cost me about $44 if I choose to keep it, and I also get $5 every three months. I still buy the games I definitely want, or that I definitely want to support, but otherwise I average about 5 games a month, and I averaged 4 when I was in the 2 game plan. I also use the service to keep games I want to keep as a collectible wrapped.

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