So here is my take....the way you describe your hallucinations and paranoia it sounds minimal....lots of people have more than this even on meds but if you are in a personal level bothered at all then take the meds. In cases studying early intervention often a very low dose is effective if you catch things soon enough thus minimizing side effects but also leading to better functional outcomes and perhaps even prevention of chronic conditions. Still Even if you feel OK With the level of hallucination you have I would ask for a prescription in case things get really bad just to have around. If things get really bad it won't be a question of should I take the meds so much as somebody else threatening to take you to the Hospital if you don't take them. This might save you a trip to the ER. You might get bad enough that you want to take them because things have gotten unbearable....getting the pills in hand gives you a lot more options especially if you are away from care.

So if you decide to take the meds be aware that you are likely to lose some things right away...probably some level of cognition and emotional expression. Both of these are restored when you quit the meds. You do lose a certain amount of brain tissue it occurs at roughly twice the rate of normal age related degeneration so it's not a ton. If you get on the meds you're going to have to taper off due to the possibility of rebound psychosis so make sure you have enough to get you though without discontinuation. They are not the best things in terms of side effects but if you are being tortured by your own mind you will take them and be thankful they exist.

TL;DR: get them and take them only if you get to the point of mental pain from the hallucinations/paranoia...