Are smart breakers worth it versus an add-on energy monitor?

Reviewers and Reddit threads we read are split. Add-on clamp monitors are cheaper and don't require replacing breakers, while smart breakers offer load-shedding and remote shutoff in addition to monitoring. If your main goal is visibility into usage, a monitor is usually enough. If you want to remotely cut power or automate circuits, a smart breaker (or smart panel) is the right tool.