The short answer
Ra95+ GU10 bulbs are worth it where you look closely at colour: kitchens, art, mirrors, display shelving, retail counters. They are not worth it for a store room, a corridor, or a spot you barely notice. The decision comes down to whether accurate colour in that spot actually matters to you.
What Ra95+ means, in plain terms
Colour rendering measures how faithfully a light source shows the true colour of what it falls on, against natural daylight as the