Can anyone say if its worth playing now & restarting the game since saves dont work, or would be better to wait a bit more.
Last i played was 3.11 now its 4.03
It depends on what you are interested in. The main story is the same, but a lot of side content has been added (Alexia, Liurial, Helayna rework, Andras, Fae) plus there is an entirely new goblin arc, very good in my opinion. Aside from that, game mechanics have been reworked, including map, and the system of quests (called "chaos incursion events") has been mplemented. If you are interested in any of that, I suggest playing.
Although you could also wait a couple more months and start when the goblin arc plus Astarte battle rework are finished. These two are really great additions to the game, so they may be worth experiencing in their entirety.