There's really no difference if you use xdmp:value() or not in your example. Although I'd caution against using xdmp:value() unnecessarily in order to maximize your query performance.
One of the most common use cases for xdmp:value() is to evaluate a string of text as code without losing context (such as you would with xdmp:eval()).
For example:
let $x := 1
return xdmp:value("$x + 1")
Another common use case for xdmp:value() is to integrate a variable into an XPath expression dynamically.
For example:
/path/to/mystery/element/xdmp:value($elementName)