Earlier quoted context omitted.
But you have to factor in that this device will last you 5-10 years. That said, I wouldn't spend almost $7k USD on this macbook lol.
Memory requirements of newer models will increase, so while the hardware may last 10 years it won't be able to run the latest models for 10 years.
What's going to happen is that the capability at any given size point is going to get better over time as new training regimes cram more into the available space. A 27b model released next year will be better than a 27b model this year (else why release it?). Hardware will get more useful, not less.