I have them. I haven't tried them out, yet, so I don't know if they are worth it. LOL My insurance went up $100 every 6 months from my loaded 4x4 '02 ST. No extra discounts were listed on the insurance bill.
Airbags are like insurance. The chances of you needing them are slim, but if you think the price is worth it to avoid being paralyzed from the neck down due to a side impact crash, order them. I've seen people who should have been dead walk away from wrecks because of airbags, when I was an EMT.