But how can you test it if your ARM-based Mac cannot run it?
Most software vendors will simply stop making x86_64 builds.
Another aspect is, a Mac stops getting software updates after ~7 years, and then the API level starts to drift between the latest macOS releases.
So, after 10 year mark, you can't get the latest versions of the applications already since the features developers use aren't available in the older macOS versions and you can't run the software anyway.