True, but i think the benefit of waiting for ARM to mature outweighs the costs. I can’t imagine Apple bailing on Intel in their Mac OS support for at least 5 years.I understand what you mean but there is a risk of having a machine born "old" and with a limited useful life (in terms of future software compatibility).
I don’t usually keep my Macs for more than 4 years, so perhaps it would be a
different story if you keep your Mac until it dies (7+ years).