re: Is trying to hit $0 refund or payment in April worth it?

yea, that (giving the gov an interest free loan) is an old argument that really does not amount to anything once you put the pencil to the paper. It is usually spouted off by people that get a little jealous when all their friends start getting big refunds and they realize that they did not save the money from every paycheck like the were suppose to. Really not a right way and a wrong way, whatever you feel is better for your situation