Supply rumours are next year we see an M7 AI-focused chip with large inference performance upgrades. It's unlikely we'll see heavy upgrades in other areas. If you care about AI, it's worth waiting. If you don't, pull the trigger now. RAM constraints are likely to get worse next year. Or wait 2-3 years and prices should be back to Earth (plus newer and even better chips).

I'm waiting this out.

Yeah, but how many years until 128GB+ is attainable by mere mortals again? My 2021 home server build was 64GB of RAM. My 2025 build was 32GB and zram. :/