Can I ask why you’re looking to have an NIPT rather than the combined screening via NHS (assuming you’re in England?) because the answer to that really impacts my answer.
The level 2 NIPT is a more comprehensive version basically, it checks for more things so whether it’s worth it really depends on your concerns and why you want the test in the first place. Level 1 is typically the “main” ones, Downs, Edward, Patau, for most low risk pregnancies this is totally fine and if you’re happy to just check for those things and accept that you don’t know everything, that’s absolutely fine.
Level 2 includes all of level 1 and then the extras, things like microdeletion syndromes, rare autosomal aneuploidies and others. Some people who have a family history of genetic conditions would opt to go for the level 2, or if they just want to check everything they possibly can.
The reality is none of this testing is “necessary”, you don’t NEED an NIPT, you don’t even NEED to have the combined screening or any at all. None of it is necessary, they are all just options to choose from depending on how much information you would like to have. In both of my pregnancies I had the standard combined screening and nothing else, I was comfortable with that. I have a friend who had the combined screening and after high risk results then had an NIPT, but did not have the amnio, she was comfortable with that. Everyone is different, only you can decide how much information you feel you need.