I agree that 99.999% uptime is a pipedream for most home labs, but I personally think a UPS is worth it, if only to give yourself the option to gracefully shut down systems in the event of a power outage.
Eventually, I'll get a working script that checks the battery backup for mains power loss and handle the graceful shutdown for me, but right now that extra 10-15 minutes of battery backup is enough for a manual effort.