I have a $640 gift card to Apple. I want to buy either the mini 4 or air 2. (Don't need help there) My issue is, should I wait to buy it closer to blackfriday or Christmas, or does Apple not really give a huge discount on items. I don't need it now but wouldn't mind having it now. Also Could I just buy it now, when I see it for sale for cheaper, I could return mine and repurchase couldn't I?