I recently upgraded from Raspberry Pi 3 to 4. I think it definitely is worth it, from a performance point of view. I have the Pi 4 with 4GB RAM and a 500GB SSD attached.
They way I did it was first to ensure NextcloudPi is completely updated (i had to wait for the Buster upgrade). Then it was just a matter of moving the SD card and the external USB drive to the Pi 4, connect the network cable, and boot.
Yes, the complete setup remains the same: users, data, shares …
I did a backup before migrating with ncp-config, and I do regular backups through ncp-config
I have not done any specific performance measurement. But the processor is faster, 4GB RAM helps a lot, USB 3.0 for my external SSD is fast. And the gigabit ethernet is now separated from the USB controller, which of course makes data flow much faster.
The Pi 4 is really a server machine. I got an open enclosure with a small fan, because it would get hot otherwise.
I have not really measured reading/writing speeds, since it has not been an issue. My RPi4 4GB has the NCPi data and cache on an USB 3.0 attached SSD, and the connection is gigabit ethernet to router.
I do know that the reading speed from the SSD is about 200MB/s :
sudo hdparm -t /dev/sda
/dev/sda:
Timing buffered disk reads: 632 MB in 3.00 seconds = 210.38 MB/sec
Waiting for the stable Raspberry OS and firmware updates that will enable booting directly from the SSD and bypassing the SD card entirely. Maybe in a month.