It's a concern when you have a cracked screen but I am glad that your iPhone XR is working, Juty. Let me help you with your question is your device worth fixing the cracked screen. This choice would be up to you if it is worth it or not. However, a cracked screen is external and does not show what internal issues if any are going on. Do you have our Total Mobile Protection plan through Asurion? If so, here's a link where you can file a claim to get the screen fixed if you desired https://www.asurion.com/cell-phone-screen-repair/ and if it were my phone, I would get it repaired as it is important to me.
Does this help you?