II would say it's worth clipping if you have the 60 or 120 version. However, if this is your second plane, I would leave it as designed. If you don't find the roll rate to your satifaction, then clip the wings.

I don't see why clipping the wing later would be a big deal. Just make sure to trace the tip ply rib so you'll have a spare set if you do decide to clip later. Also, put a hinge inboard of the second-to-last rib, so you don't need to rehinge after clipping. If you're worried about too many CA hinges on the aileron loading down your servo, put only half a CA hinge at the tip.

Look at it thisway: it sure is a lot easier to clip one bay than it is to add one bay later. I'm sheeting the d-tube and leaving the wing at full span on my 4*60.