Headless commerce splits your storefront from your commerce backend. Sounds clean. Sometimes it is. Often it's overkill.
Worth it when: you have complex content needs, need fine-grained performance control, or want to share product data across multiple channels (web, app, kiosk).
Not worth it when: you're sub-$5M, your team can't carry the engineering load, or you're hoping a tech rebuild fixes a brand or merchandising problem.