There are a couple of ways of thinking about this.
I’m active on a forum that is all about towable RVs. I know, nothing to do with computers. However, one question that often comes up is if someone can tow xx trailer with yy tow vehicle. The saying there is: “If you have to ask, the answer is no.”
My point is that if you are questioning the decision, it may not be worth it.
In my case, I have an M2 Max. Recently I’ve noticed that the programs I use are getting more complicated, more AI features and have been bogging down. It’s getting downright annoying how long a few of the new features are taking. The rest of the things I use it for work the same as they always do.
Looking at one video that posted times for the tasks I use (including the new ones), the difference between the M2 Max and M4 Max looks to be a really nice bump in speed. So getting an M4 Max would certainly cut down on my frustration/annoyance for those few tasks.
Which leaves me wondering if eliminating that annoyance/frustration is worth the cost of a new computer. I’m on the fence - one day I think yes and one day I think I’d rather hang onto the money for another couple of months.
Ask yourself what is it about your current computer that you think could be improved by a faster processor/more RAM or whatever. If you are happy with your computer and how it operates, then it might not be worth it for you.