My server's on an old Back-UPS 300 that doesn't have monitoring, and it'd probably be more trouble than it's worth to move my big UPS down to the server room and back
Turning SETI off made me go from 186 to 180, with System Idle Process hovering in the 97-99% range.
I think the UPS being worth the money depends on what you're using the PC for and how the power in your area is. I only spent something like $20 for the one on my server, since I moved it there from a PC that was mainly used for games and stuff. I paid a bunch more for my current one, but the computer it's attached to will be used for more serious stuff so it'd be bad for it to die, and it's also got more battery ports so I can use it for my switch/cable modem/etc..
If you're looking for one, all you really need is one that'll give you a few minutes to save your work and turn the machine off instead of having it just die on you. Anything above that's just bonus, unless you're in a setting where you know how long it'll take you to turn on a generator and need something to bridge the gap.