Give yourself extra life. Buy the best tools you can. Don't let virtues learned by necessity become the vices that suck up your lifetime. You'll never get the time back that you spend working on unimportant projects, sustaining old builds, placating unhappy people, working on slow computers, etc. Unless it's the fastest way for you to deliver whatever good you have to the world, put it aside, especially if you've inv…
By that I mean that always keeping up with the latest and greatest can be overrated, [0] and actually be quite a huge time sink to keep looking for a new computer and / or new parts, compare them, etc. Sure, if you only buy the latest MBP that's easy, since there's not much to choose from. But it is expensive, and it's not always worth it.
I'd been working all through the pandemic lockdowns on an i5-6500 I had saved from the bin at work. Old SATA SSD from ~2012, 16 then 32 GB RAM. Integrated HD graphics (not the newer UHD).
I never felt held back by it, it would chug along nicely through pretty much everything I threw at it. The only thing for which I had to wait around a bit was Rust compilation.
Then at the end of last year, my work laptop was up for renewal. So I spent around a week comparing models, looking up on intel vs amd, etc. In the end, I ended up with a zen 3 model. While the CPU is fast, in my day-to-day I see no difference compared to the old one. It compiles some of my Rust projects almost twice as fast, but it's still not instant, and I don't wait around for full compiles anyway. [1]
Aside from that, Teams, web pages, etc, there's absolutely no difference in perceived performance.
I get that this is less extreme than OP's situation, but I guess the point is that they maybe shouldn't go to the other extreme and upgrade with each new CPU that comes out. I also realize that up until last year or so Intel CPU upgrades didn't bump performance all that much.
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[0] Yes, some people absolutely need the last drop of performance they can squeeze, by even among HN readers, I think those people are not the majority.
[1] Incremental Rust compiles were still somewhat slow on the AMD, but in the meantime I've found out about mold, which speeds things up nicely even on the old machine.