YES. It is worth it. And YES, you can use it directly to your money sites. Those who are scared to will never rank in anything. Every blackhat method has its risks. But if your smart enough, you can reduce that risk in a lot of ways. As others have mentioned, you can diversify your anchor text, set it to post only on PR > 1, limit the number of outbound links etc. Of course, another thing you should remember is to not to depend solely on a single method of building backlinks. NHSEO works best if you mix it up with other link building methods and tools. Lastly, a tool is only as effective as the one who uses it. So if your going to buy it, learn how to use it effectively and you will get good results.