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Yes you should get a dental checkup and cleaning twice per year
Before my company offered dental I was paying $35 a month out of pocket through delta dental. It was worth it. Also paid around $13 for vision out of pocket a month.
Depends on what you might need. I pay around $1000 per year for a $5K coverage. Out of pocket (OOP) can get really expensive for some procedures such as deep cleaning, onlays, root canals, crowns, etc. If you only need preventative services (regular cleaning), then OOP may be an option.
lotta health issues can be stemmed by poor dental hygiene.