check out @ThemeHouse ’s website, they have what you’re looking for and for free.I've tried to get an add-on like IGN-style username colors for Xenforo 2.x, I had one made back on XF1 and loved it, but the original developer found them to be 'tacky' in this day and age and doesn't see much of a need for an add-on like this so he quoted me a ridiculous price to develop it and maintain it, which i'm obviously not willing to pay.......so I suppose it's an end of an era.
It really depends. Well, the only exception for what you've said here, would be if they are paying for a monthly premium membership where they would receive perks. If a webmaster is going to offer a "premium upgrade", that's the least of incentives they can offer.Completely agree with what others have said. It's unneeded, distracting and frankly it's cliché and 'old' now.
Move on with the times