Honestly, the smart thing to do with these, is to just max them out on CPU/GPU and RAM, get maybe 2TB storage, and use it as both a notebook AND desktop computer (taking advantage of the new Thunderbolt 4 to dock) for the next 5 years. (I say that because maxing out CPU/GPU/RAM is NOT that much more money compared to what they were charging in previous models)
It might be overkill TODAY, but, 2-3 years from now, it won't be. And it is futureproofed for literally AT LEAST 5 years.
Everyone thinks these are just massive jumps that Apple will be able to replicate again, but really, it's just because of the architecture change from X86 to ARM. Despite what Apple loyalists say, Apple won't be able to reproduce this magnitude of change again anytime soon. (i.e. battery life, performance, etc improvements)
Already, we are seeing issues with battery life being shot to hell and heat becoming an issue just going from M1 to M1 PRO/MAX. They won't be able to die shrink from 5nm for at least a few more years, either.
SO, we are looking at incremental improvements for at least the next 3-5 years.