I've seen many mentions about people worrying about being earlier adopters of Lion. In a workplace setting, I certainly could understand these worries, but for personal use, have early OS bugs really been so devastating? Also, published fixes are fast and furious ...
I wanted (but didn't need) to get a new desktop late last year. After waiting for the iMac refresh and the new OS, I certainly won't wait any longer for bug fixes that likely will be addressed in a matter of weeks after purchase. If you look for it, there always will be another reason to wait ... I'll wait to future-proof my purchase and save $130 or so, but I won't wait simply to avoid possible inconvenience, esp. since waiting in and of itself has become an inconvenience.
That said, I might use only my wife's laptop or iPad to conduct any financial transactions online during the first 6 weeks or so after Lion's release just to be sure there are no glitches with online security, but I'll have my old machine as a standby if early Lion problems prove disastrous ...