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Out of curiosity, is it 3 months until the phone is released? Or is it 3 months until the announcement and then another 3 months until we are able to get our hands on one?

Probably announced in September, usually released 10 days after that. Never had an issue getting my hands on an iPhone on release day and I have owned every iPhone made.
 
You have a 4? Wait until Sept and get a 6 or 6 Plus. They will still be around and probably for $100 discount than they are today. 4 to 6 is a huge jump. You won't believe it. No reason to have the latest. Seeing as you're still on a 4 I wouldn't consider you an enthusiast so that extra $100 by getting last years model is a great option. I went from a 4S to a 6 and it was just incredible.
 
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