I agree with avro707. Keep an eye out for a used 7,1. I like the 6,1, but it's old tech now. It has some nice improvements over the 5,1 such as faster quad channel memory and faster CPUs. However, problematic proprietary GPUs mean you should only own one with AppleCare+ and no Thunderbolt 3.
Maybe get an M2 mini if you need something now and save up for a 7,1. But you could get a 6,1 for now if you need to run Windows. It will still get security updates for a while.