Therapy has its benefits(like a great side effect profile), but it's good to remember that therapy has a lot of drawbacks too. It expensive(SSRI $3/month vs therapist $500/month), it requires a flexible schedule, and the evidence of effectiveness isn't quite as clear as medication.
Both cognitive therapy and classic "shrink" therapy is on some level, you just talking about shit going on in your life. At the very least, if you are at the end of your rope with no (constructive) talking to be found amongst your peers in life, I am dead certain talking to a therapist is a good thing to try.
Therapy has its benefits(like a great side effect profile), but it's good to remember that therapy has a lot of drawbacks too. It expensive(SSRI $3/month vs therapist $500/month), it requires a flexible schedule, and the evidence of effectiveness isn't quite as clear as medication.