Trying to future proof for 7-8 years is just going to result in spending WAY more money today than you would if you were to buy more reasonable spec today and then buy again in 3-5 years.
Lots of people buy for the future and hang on to a Mac for 10-12 years that they originally intended to use for 7-8. If they don't spec up a bit, they will have to do as you say: replace their Mac at about the pace they replace their phones. Apple and shareholders would
love it. But practically and in most cases, it actually
IS better to buy for the future best one can estimate and ride the purchase for longer than 3-5 years.
Of course, if a person can easily afford to turn over Mac like their phones, buying again and again in as little as "every 3 years" will get all new chip advances every 3+ years too. There is a tangible benefit to such a pace... but at a meaningful added cost.
Also, let's say you have a major out of warranty failure in year 4 - your plan is toast.
The alt view of this scenario is that the buyer is basically committing to replacing their Mac "every 3-5 years". IMO: it seems better to gamble on the less likely case of an out of warranty failure in year 4 vs.
knowing they are probably going to have to replace a perfectly good Mac in year 4 because they bought it too under-specced.
RAM and storage is expensive today, it will be MUCH cheaper in the 3-5 years when you actually need it.
Competitive RAM? YES
Apple RAM? Good luck with that.
Apple tends to take any cost savings and incorporate it into margin... not pass along the savings to us consumers. See age old tech for sale from Apple now still at the "same great price" as when it was brand new tech. Or recall the "now that Apple will make their own Silicon instead of leaning on Intel, they can pass the Intel premium on to us in cheaper Macs". Etc.
IO standards will move on, wireless standards will move on, GPU will be like 5-10x, etc. - your 5 year old machine will generally speaking be "crap" even if it was top tier when you bought it.
Not in my experience. Yes, there will certainly be technical advancements but practical uses usually don't keep up with pushing those advancements. For example, if OP is going to get into video editing, he won't necessarily need added horsepower to do what he learns to do in 2025. Yes, a new Mac 3-5 years from now will have more horses for video editors but he'll still be able to edit as he will learn just as well 3-5 years from now on the one he buys now.
I find 3-5 years is the sweet spot. I plan on 3 (for tax, I can write off a machine over 3 years),
That works for you. Not everyone can write it off. For many- probably most- it's an out-of-pocket cost with zero tax advantages.
and that gives me a couple of years to ride out temporary unexpected stupid product decisions from apple (e.g. butterfly keyboard), or real expensive times in the market (e.g. 2011 ram shortage due to floods in Taiwan, etc.) - if they happen to be occurring when I am "due" to upgrade.
This is a
big positive to buying & replacing frequently.
Also hard drive (not sure on SSD) failure rate is a bathtub curve - high initial failure rate, period of low failure and then ramp up towards the end. the ramp up point for failure is year 4 for hard drives. SSDs probably engineered for the same MTBF. This is why every OEM offers up to 3 year warranty or thereabouts.
Pay up for more RAM to minimize SWAP use of SSD and OP will probably get life of device out of the internal SSD. However, under spec but then keep using the Mac while leaning heavily on SWAP and you are exactly right: OP will probably wear out the SSD
before the rest of the Mac.
Planning on running into 2x the warranty period is running a significantly increased risk of hardware failure during your expected lifetime for the device.
Been a Mac user for over 20+ years and never purchased the extended warranty, nor ever had what would have been a warranty claim during the 3-year window. Macs are built well. Extended warranty is high margin businesses because many people buy them out of fear but never actually make a claim. Do some have problems? YES they do. But Apple (and everyone else) offering extended warranties aren't doing it at cost or to lose money. How do they do that? By building the products good enough to NOT have many claims during the warranty window and beyond.
Your situation is different than many Mac buyers... in that you can write off your frequent Mac replacements and (presumably) also the extended warranty. For many, both are out of pocket, sunk costs and thus many want to ride a Mac for 7+ years to squeeze as much value out of a relatively hefty purchase as possible.
I enjoy the same write-off opportunity you have but generally try to get 10+ years out of my own Macs... as I rather use the cash for other things than be so frequently buying the same thing over and over with only modest spec improvements every few years. To get 10 good years, I do spec up, paying more now to not be having to buy again in 3-5 years and again 3-5 years after that. By about year 10, the wheels are clearly falling off but I never "feel" that way in only 3-5 years.
Which way is best? There is no one best option. What works for you works for you. What works for me, works for me. Each person should weigh opinions and decide for themselves.