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And here I am with my MB Air M1 with no plan to upgrade whatsoever because I don't need to...

(yes, I understand this is about iPad, but I guess we'll see these M4 on the MB Air as well ?)

You'll want to upgrade to produce generative content - you just don't know it yet.

I don't do such things, not on my laptop anyways. I'll upgrade when the battery capacity is worn out, that's the only reason I can foresee.