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From a "advanced user" level, I would say the 3 most common reasons to root are:
1) Have the use of Tethering without having to pay Verizon additional money for a service pre-built into the phone.
2) The ability to do custom Nandroid type back-ups of the system..this comes into play with the 3rd most common reason to root...
3) Customization...the ability to make your personal device more personal...throwing a new ROM on or adding a new theme pack can change not only the aesthetics of your device, but also add to the overall performance of the device. Having the above back-up means less possibilities of catastrophic pooch-screwing..and if the CPS does occur, you can usually flash a Nandroid and be back up and running in under an hour.
No, you dont really "need" to root. The phone can do a ton of things just the way it came out of the box. Rooting just allows you to do more things, as well as some of the same things better.
In the end, I would suggest you do like what has been suggested previously...test drive your stock DX for a few weeks and then decide if you really do need to root to enjoy your phone more. If then you decide to go forward, then by all means do so..but make sure you have read and understand all that comes with it, that way you are properly prepared...