Is UNet worth it? How does the cost of it come into play? Support Voice Chat?

I'm not new to Unity, as I have made several offline games. I want to try getting into multiplayer games but I'm a complete noob in this department.

I wish to create a virtual reality game for the oculus rift where I can have voice chat and be able to have four heads and hands in the room.

Is something like this possible with UNet? I hear that it is unfinished but I wouldn't even be able to tell you if it is or isn't. I hear Photon is quite popular but I'm not sure which is better to learn...

Is UNet worth it? How does the cost of it come into play? Support Voice Chat?