Agreeing with r-dub, keep it in source control, but to me, the real benefit is this:
collaboration in identical environments (disregarding the windohs and linux/mac stuff). Before Gemfile.lock, the next dude to install the project might see all kinds of confusing errors, blaming himself, but he was just that lucky guy getting the next version of super gem, breaking existing dependencies.
Worse, this happened on the servers, getting untested version unless being disciplined and install exact version. Gemfile.lock makes this explicit, and it will explicitly tell you that your versions are different.
Note: remember to group stuff, as :development and :test