I looked at this same question. The conclusion that I came to was that unless you have a respectable technical skillset to manage the stake pool well and quite a few ADA (millions) to stake for yourself, then it would not be worth it. This was confirmed for me when I checked out the new testnet staking calculator today.
I have neither the skills or the ADA so I am choosing to simply stake what I have and accept that as still being a reasonable return.
Hope that helps.
Ok, so its not really gonna be decentralised at the end? Its just mainly for stakepools. Its not like bitcoin that anyone can participate in processing the transaction? I guess i will just delegate and hodl.