"sooner or later you'll need a new PC and you'll get Windows 11 on it."
There was really no reason to "upgrade" for several years, maybe a decade. Intel was basically selling the same processors just with a different name and slightly better clocks, for those into clock measuring contests. People just got scammed by "techies" oh your computer is slow, you need a new shiny one. Where all it needed was SSD and fresh installation of the OS (to get rid of all malware).
Even new Ryzens are not much better that few years old CPUs unless you do some sort of real time computing or simulations, then any even tiniest improvement counts. For typical home use I doubt there is going to be any reason to update unless there is some breakthrough...