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If staying on the latest model isn’t important to you, there’s significant cost savings to be made from just buying the previous version.

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It entirely depends how long you keep your devices. I try to keep my iPhones until release year + 6, so I would need the price of a previous version to be reduced by more than 1/6th on a new version release, which is usually not the case.

Similar to cars, most depreciation happens in the first year.

So owning a device for 6 years between age 1 and 7 will generally have a lower cost than owning a device between age 0 and 6.

For Apple products it’s generally feasible to effectively buy first hand devices aged 1+ because they’re still available for sale (at least in some retailers) after a new edition is released.

so wait for M5 to buy M4

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