If you only want a couple games out right now and it's not that urgent, it may not be a bad idea to save up and get it later with some spare money... however if there's a game you REALLY want right now, you might as well get it.
Well I'd get it now because I want to get the Windwaker bundle. As far as games go, I'd definitely want Mario Kart, Donkey Kong Country, and The Wonderful 101, as well as access to the eShop. I just don't know if it'd be more cost-efficient to wait.