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10% per year does add up, particularly if you don’t upgrade every year. I think if you get some decent lifetime out of your computer you have a good chance of still getting a significant speed boost when you upgrade.

I have a Ryzen 3950X and I suspect even now there’s a noticeable speed improvement at the top end, and I don’t feel like upgrading yet. That was still a big improvement over the Intel 3930K (?) I had before, even though sandy bridge was when progression started to show a slowdown.

I do think it’s perhaps easier to buy a computer with some weird bottleneck (crappy storage and the like) which will present day-to-day performance on par with your outgoing computer. Day-to-day high performance is seemingly hard to get right even if you can crunch numbers faster. Sort of a latency vs throughput problem.