I believe the biggest reason to upgrade is for space efficiency, even if the cost takes longer to recoup. Also, for the xx5 village, the output is based on the value spent on the farms it absorbs. So, the more expensive farms mean that the xx5 that absorbs them will give more income.
Without the upgrades (e.g., beyond marketplace), it can be hard to afford some of the most expensive upgrades/ the Paragon monkeys too.
Kroger too—no tap payments. Instead, you have to use their Kroger app's QR code. It sucks