Is it necessary? I don't think so.
It cannot even be properly and accurately defined. The term comes to us from the ancient Greek and means "love of wisdom". The thing is, however, that wisdom comes to us gradually and naturally whether we "love" it or not. Some say it is a method of rational critical thinking in a systematic and logical way. I think that people are born with this method already hardwired and in place. They may not be able to define it so succinctly but the method is "in use" whether we are exposed to Philosophy or not. Yes, it is interesting to learn and read about how the great "thinkers" of our past viewed their existence. It's fun to "connect" on fundamental levels with someone who existed thousands of years ago.
It's purely optional, IMHO, and should not be taken so seriously. Countless many have lived full and satisfying lives without being exposed to this academic interpretation for rational thought.
Can it help? It can if one finds joy in arguing and criticizing fundamental beliefs held "on faith" (on trust) by many.
Yes, enjoy the option but don't loose any sleep over it. Keep in mind that Philosophy's goal of discovering the absolutely fundamental reason of everything is a mirage. The closer you get, the more it fades away.