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Yes, stump removal is worth the investment. It costs an average of $400 to remove a stump, but you will likely avoid other more expensive issues, such as termite and carpenter ant infestations, which can cost upward of $1,500 to treat professionally. If termites or ants attack the rotting stump—and they likely will—they could move to your primary structure after the stump is consumed. So, you could incur structural damage to your home as a result, which is even more costly and potentially dangerous.

Stump grindings are usually safe to use in soil, but in some cases, it’s not recommended. Wood chips in particular can bind nitrogen in the soil, which will make it difficult for grass to grow. That’s why it’s important to remove most wood chips and use healthy garden soil if you want to cover the stump spot with grass. Large wood chips may attract beetles and could encourage the growth of fungi when they decay, so you may want to remove them when using the grindings.

Leaving the tree stump and letting it rot is never a good idea, as this leads to insect infestations and other frustrations. Additionally, decomposing trunks are at risk for diseases that spread out to the remaining plants and trees in the yard, thus ruining your whole outdoor aesthetic. It's usually best to remove the stump at the same time you remove the tree.

If you’re planning on keeping the tree, unless the roots are invasive, there’s no need to remove them, as doing so can cause damage to the tree. If the tree has been cut down and the stump and roots are left, grinding and removing the stump can cause root decay for some species. For other species, the stump and roots will need to be removed to prevent pests, disease, and possible tree regrowth.