Your caution is warranted - I have been burned by both in production, but not really the fault of the tool. They just take time to get use to. I suggest learning them on a non-critical project.
Both Takes and xRefs "work"... but using them correctly usually requires using them incorrectly first. Sometimes projects just become incredibly complicated down the line or grow beyond their scope (multiple users, multiple platforms, multiple servers). There's just no way to cover the many different uses for them. Both Takes and xRefs create a great way to reduce and minimize assets, but at the expense of visibility and portability.
I would say your use for visualisation is probably the safest, but they may not be necessary. Are you working with a large team that is all working on different assets at the same time that will be combined into one? Do you have sub-parts that are constantly being updated? If not, you may not need xRefs and if you don't need xRefs I wouldn't really use them. But it entirely depends on your workflow and environment and ultimately, your personal preference.
However, here's some advice on learning Takes or xRefs for the first time, especially on large projects with a lot of animation and material changes. Both xRefs and Takes give you a lot of control over objects properties and parameters. You will often get burned by accidentally changing something deeply nested. When you're starting off, try to stay top level any first... just turning visibility on and off... simple stuff. As you get used to it (and make a few mistakes) it will be easier to navigate the deeper trees reliably.