This confusion always remains whether one should opt for coaching or not. Since the pattern has changed this question has become even more relevant. There is no point spending so much money if u are capable from within. but at the same time you cant take a rick of not opting for coaching just to save money since you required and extra push to get into best collgs in the world. I think this video answers most of our doubts about opting for coaching or not.
https://youtube.com/watch?v=LcaneTJug6I&context=C4cb13b2ADvjVQa1PpcFMQX-FKsRHXxJkW29ObFNAUmZXLlJgZLtk=