Hello Ducksfan,
I am also fresh with PhiGolf - since last x-mas. I have asked the same question for myself.
I am a golfer and have a WGT account (Android) since some years - I recognized the PhiGolf utility button in the settings.
Thats why the PhiGolf found the way to me. 🙂
Unfortunately there is only Wolf´s Creek playable with Phi for free at WGT.
I have ordered the full course set for $1,99 per month. Honestly I have to say, that I play it much to less. The Phi-App is installed on my tablet, the tablet is connected to the TV-Screen. Its an awesome expierience, WGT has an absolut realistic graphic, you are able to count the sand grains in the bunker.
My personal opinion: yes, it is worth.
I have shown it a to golf buddy - the facial expression- unpayable!
I hope, I was able to give you a little help.
Best regards from Germany,
see you on the course.