I got a refurb through eBay ($110), it came with all the same bits: charger, screen protectors, etc. that it comes with when new.
I'll echo that the main camera isn't that good, you really have to steady it to get decent shots. even then it needs a lot of light or things get dicey.
there is a bit of a screen touch issue still, where you try to scroll yet it's sometimes read as a tap instead. I noticed the Lumia 535 has this issue too and there was just a firmware release to try to fix it. I wonder if it's a Snapdragon 200 thing, which both phones share.
I absolutely hate the button placement though, the power and volume keys are on direct opposite sides of the chassis, which makes turning the thing on a bit of a finger dexterity issue (and there is no Glance of course). Also, the volume keys are stupidly easy to push. Many times I've tried to get the Win HD out of my gym shorts while listing to podcasts and accidently engaged the volume up key, making my ears bleed.
Compared to my 1520 (the BLU is for low-end development purposes), it's really not that bad. The screen is quite good as is the slimness. The Snapdragon 200 really only outs itself when rendering on web browsers, it's a bit of a waiting game then.
I'd say it's worth it
only if you can get a deal on it. The Lumia 640 that was just announced will be a much better phone when it ships in April for around $160.