For your use I would say 'only on select discs'.
Most of the time when I put on a disc after 5 minutes I forget its 4k in any case as I get 'into the movie'.
Ok, you have HDR, which is quite nice. Its better on some discs than it is others though. You also have Atmos (if you can benefit from that), but then again so do some BD versions of the film too.
If you want to sit down and watch a film then BD is still fantastic and you may not see much of a difference between that and 4K unless you pause the film and look closely at the picture.
I view on a 65" LG OLED and a 93" projector screen (Epson 9300).
As for checking to see if its native or upscaled, then don't let that be a deciding factor, as some upscaled are better than native.
As I said, if its a film you really want, then get the 4k. If you just want it for your collecting then choose the cheaper of the 2.