Is the MS Marketplace Worth It?

I have been going through marketplace for most things except the Bell 47 of course which isn’t there.
I am also worried about the risk to loss of item in some unfortunate events, there’s no email receipt for the product, you just buy “flight sim credits” whatever the hell that is.
But i want the ease of having it all in one place for the dreaded re-install if it ever happens.
Having several other sources makes life more difficult, although i find ORBX Central to be pretty decent.