The new top of the line CPU might only cost $500, but even if you have a Framework laptop with replaceable parts, the new top-of-the-line mainboard is going to cost you north of $1k. If you don't, you're probably talking about a new $2k+ full laptop purchase.

And I don't want a desktop.

But I would agree that, when you are purchasing that new laptop (or mainboard), you get the best that you can afford. Pushing your upgrade cycle out even just one year can save you a lot of money, while still getting the performance you need.