I have been buying computers myself for over 30 years and before that my parents bought my first two computers in 1986 and 1992 (an Apple //e and then a Mac LCII).
I’ve seen RAM and hard drive spikes plenty of times.
Do you really think the cost of compute is not ever going down? BTW, my second computer was $4000 in 1992 for the full setup - Mac LC II with 10 MB RAM (actually 12 with 10 usable), monitor, Apple //e card, 5-1/4 inch drive for the card, laser printer and SoftPC. Thats over $9000 in today’s dollars.
I made more than that on a three week consulting contract I did when I was between jobs. I wouldn’t hesitate to spend around $8000 on equipment if I went independent.