There's a lot of functionality that you're going to be missing out on both devices by not rooting. You don't necessarily need a custom ROM on the Note 3 either to get significantly more enjoyment out of it. Keep in mind that there are some rooting methods out there for the Note 3 that trip the KNOX warranty counter and others that don't, so if you root make sure to pay attention to that. Once you're rooted install Xposed framework and grab some modules like Wanam, Tinted Status Bar, Disable Clear Defaults Dialog, and App Settings. Those are the 4 I use and they are glorious. As for the Gear I'm currently working on rooting/installing a custom ROM on it because I want Google Now, which apparently requires Bluetooth Tethering to be enabled from what I can tell.
If you're not comfortable with doing this just yet give it a few months, you'll likely get the itch to tweak with more stuff and the Xposed/root thing should scratch that for a while. I got my Note 3 at launch and literally installed my first custom ROM yesterday, so it's possible to hold off