Not over rated, but I think it depends on your own living circumstances, the trips you take, your love of learning new things. I could never go to a resort and just sit by a pool drinking Margaritas. A cruise on a ship would feel like prison to me. I would hate bus tours because I want to be my own boss.
My favorite trips are about two weeks long, active (hiking, biking, day-trips), in a beautiful location, involving a culture different from my own. After about two weeks, though, I'm beat. I want to sleep in my own bed, cook my own meals in my kitchen, and relax on the comfortable furniture in my own house.