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I'd skip it for everyday stuff like browsing, email, or streaming - 12th gen handles all that fine and the jump to 13th gen won't feel noticeably different in real-world use. The improvement mainly shows up in heavy workloads like rendering or compiling code, which most people don't do regularly. If your 12th gen CPU isn't bottlenecking you right now, there's no reason to drop the cash.
For everyday browsing and streaming, 12th gen is more than solid - no reason to drop money on 13th gen unless you're doing heavy rendering or gaming at high refresh rates. One thing worth checking though: if your 12th gen chip is running hot or throttling under load, sometimes the real upgrade isn't the CPU itself but swapping to better cooling or cleaning out dust buildup in your case. A good cooler can make your existing chip feel snappier than jumping generations would.
The jump from 12th to 13th gen Intel isn't worth the cost for everyday tasks - both handle browsing, email, and streaming without breaking a sweat. What people sometimes overlook though is the power consumption angle: if you're running 24/7 or leaving your system on constantly, the 13th gen does pull less power, which could offset some upgrade costs over time, but for typical daily use that's minimal. Unless you're specifically hitting CPU bottlenecks (which you'd notice as actual lag, not just wanting newer hardware), sticking with 12th gen makes financial sense.
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