Hi vanguard,
I asked myself the same question just days ago. In the past I played the sax a lot and I was very busy with several bands. Then I moved to big cities and small apartments, with thin walls and angry neighbours... so I started to play the electric guitar, because you can practice in silence. I love the instrument, i love playing music, but unfortunantely my working schedule does not leave any room for band practice any more. -> same situation: intermediate guitarist, strong affection for gear, but playing at home, forced to choke it to TV volume 100% of the time. Quite frustrating if you like good tone. Bought the THR10 - really liked it for what it does - wanted more. Trying the Kemper was my salvation. Brilliant tone at any volume. But am I worthy? It does so much things that I won't use, so can I justify the cost? Or should I stick with the THR, look for concrete walls in my next apartment and buy a nice guitar for the meantime?
But if you think about it, the Kemper makes that decision quite easy. First, it sounds amazing - I will use and enjoy it every day. It is perfect for home use, at TV volume no tube amp is really an option. In the moment the only way I know (other than the axefx and stuff...) to get classic amp sounds at home that are actually convincing. A good tube amp can cost the same as the Kemper and I would definitely buy even a 1 channel 3 knobs tube amp for that price, if I clould use it to its full potential at home. -> Kemper already justified.
And then you get so much additional functionality, that could be of use in the future: band practice, recording, gigging, no problem. So just in case you come to that point again, you don't need to buy new gear... erm.... i mean, you don't need to replace your amplifier... obviously you'll need a brand new guitar, that fits the colour of the band logo and while shopping for that you'll buy another one, because it sparkles and that would be nice on stage...
So yeah, benefit/cost ratio probably a lot higher than all my other gear purchases before. In my opinion definitely justified, even if you only use the great bedroom amp capability. I am going to buy one in the next few weeks, as soon as i have time to go to my local music store during opening hours. Only thing that buggs me is the fear for a potential Kemper2 and that the old one might not get any software updates from that point and that new profiles won't be compatible to the original. I recently started a thread about that concern in this forum. The response was helpful as always, people here still haven't heard hints to a new model. Even if it comes at next NAMM, looking at the Kemper policy, chances are there that the original will still get some software love.