Yeah agree, I think it's really about personal risk tolerance.

I do agree 5 years is a while, but it's also easy to say that right now based on the last 5 years. It's not terribly difficult to find 5 year periods where returns aren't very good or flat out bad (e.g. starting investing in 2000).

Depends on how soon you are planning to buy. The usual rule of thumb for a big purchase (house, car, etc) is that if you’re planning on it occurring in 3-5 years, put money in a savings account. Otherwise, yeah you should probably invest it.

Usually people save money in a savings account.

It is interesting they only support 64gb and then jump to 128gb. It seems like a money play since it's $1,000 to upgrade for 128, and if you're running something that needs more than 64 (like LLMs?) you kind of have no choice.

I have a 14" M1 Max with 32gb of ram for work, and it does that popping noise every once it a while too! I've always wondered what was causing it.