Never needed to... the AI does a good job of bankrupting themselves in my experience. (Despite paying less for unit/building/tile maintenance and getting a discount on upgrades.)
Yes, in fact you can see your caravans use the roads along their paths. They won't always use them, but when they need them to get to your city target they will.
Waste of time... AI pays 50% of tile maintenance BEFORE difficulty modifications (so even on Prince they pay 0.5/1 for roads/railroads and it goes down from King up)... or course they also pay 75% or less of unit maintenance (which explains the massive armies they support a little).
Despite all this they can still ruin their economy on their own just fine without you paying more maintenance on a worker than you're adding in tile maintenance on them.
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