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don’t think it’s wise though, i bought a base m1 pro mbp when it launched and don’t feel a need to upgrade at all yet. i’m holding off for a few more years to grab whenever the next major increase in local llm capability and battery life comes.
Another observation; I've travelled the world and rarely see people who could use robust, secure products the most (vulnerable people) using Apple products. They're all packing second-tier Samsung or LG Androids and old Windows notebooks (there are decent Samsung, LG, Android, Windows products, but that's not what they have access to).
If it affects your earning power to that extent, you should probably pony up and save in the long run, probably just a few years until you see returns.
Caste system usually can't be bypassed by paying a monthly subscription fee.
I will note that making it a subscription will tend to increase the overall costs, not decrease. In an environment with ready access to credit, I think offering on a subscription basis is worse for consumers?
If it matters that much to you just sell the old one and buy the new. That's your subscription.