No one can really answer your “is it worth it?” question for you. Totally depends on the athlete, your level of knowledge, what else you do in terms of self-coaching, etc. Others have explained well what a coach will do for you in terms of “fire-and-forget” training, but the biggest thing I think is the “retainer” on a second set of eyes on your training, making those adjustments for you.
When I self-coached, far and away the biggest stressor for me was adjusting when life got in the way. Laying out the training plan in the first place was easy. But knowing what to prioritize, being OK with backing off if life so dictated… those were hard for me. Training with a coach overseeing things was WAY less stressful for me.
That said, my best seasons were also self-coached. So… there are no guarantees and it’s a very personal choice both (1) to get a coach; and (2) which coach.
For reference, at the price point you’re looking at, you are unlikely to get weekly personal check-ins. Personally, I never found the need for them as an athlete, and I don’t currently do weekly calls with any of my athletes. As an athlete, I usually found even monthly check-ins unnecessary on a year-round basis.
As a coach, I do face-to-face check ins/calls on an “as-needed” basis. I have yet to turn down an athlete’s request for a call/meeting, and I would say most of my athletes have face-to-face check ins 3-4 times per year. Note that we have regular check-ins via messenger, training peaks, email, text, etc. Sometimes this is on a daily basis. Other times not just because there’s not much going on that really needs to be discussed.
All that to say that depending on which coach/service you look into, you may not get the on-demand adjustments and weekly calls you want at $200 or less. At that price point, I adjust plans as frequently as needed but the weekly call would be a hard no from me. You’d be more likely to get one or two monthly adjustments and a monthly call from one of the bigger coaching services, if you can even get your foot in the door at that price.
Last, hiring a coach may or may not get you to 5W/kg. I think that’s OK to have as a goal, but there’s a lot that goes into that (volume/training time availability first and foremost) that are going to be outside a coach’s control. So you have to really ask yourself is a fitness jump like that realistic?
Remember when evaluating coaches, they’re evaluating you, too, and they have every right to say “thanks but no thanks” to bringing you on. Make sure what you’re asking for and your expectations are realistic.