Given how close we are to Apple releasing their Apple Silicon versions of the high-end 13" (maybe 14") and their 16" MBPs, and you can wait (sounds like you can), I would wait. We don't know what we don't know, but expectations are that these versions will significantly outperform their Intel-chipped counterparts.
So I would recommend waiting to see what those look like before making a decision. Especially since you said you prefer to keep your laptops / purchases for awhile, even more so better to do so when you have more information. And if there's ever a time where there's a significant information gap, it's now, on the verge of the full line-up release of the ASi Macs.
After you see what the new 16" ASi MBPs look like, and you still want the Intel version, no problem, and it's fair to say those Intel versions will likely be cheaper than they are today.