The mere fact that you have raised this topic tells me that a) you have the money and b) youve already given it a lot of thought.
So... just do it!!!

Sooner or later you will decide to do it anyway, and if you take 5 years to make the decision, you will then kick yourself for missing out on great gear for 5 years!!!
I know, I do it all the time (procrastinate). :-[

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