Philosophy always comes at a cost.
First, there's the obvious work that needs to be invested up front to gain clarity of thought. Self reflection is not a common attribute, and execution based upon that reflection is even rarer. Indeed, modifying ones philosophy for future robustness is the very definition of "discipline".
And not to mention that those who dare to think with clarity are at best labeled "weird", and at worst, condemned to death.
But the biggest danger by far, lies in NOT having a philosophy of life (as most do). What follows is a life spent chasing a cycle of perpetual hedonism.
Ignore philosophy at your own peril.