If you’re not feeling the age of the chip for your own particular use cases (gaming, work, whatever) then I would wait until you do feel it. Put the money in an interest bearing account until you are ready.
I’m on an i9 and in much the same boat, I could definitely upgrade, but nothing seems to be bogging down on CPU for me right now so I don’t feel the need. I will wait another generation or two and things will be ever better.
This is exactly how I feel about VW. Clearly an unscrupulous company that will lie to anyone to make an extra buck. If they were willing to deceive powerful regulatory bodies in a vast conspiracy with the side effect of fucking over the already fucked environment, what hope does the lowly consumer have to trust such an organization. Fuck 'em, they can go out of business for all I care.