If you’re not feeling the age of the chip for your own particular use cases (gaming, work, whatever) then I would wait until you do feel it. Put the money in an interest bearing account until you are ready.
I’m on an i9 and in much the same boat, I could definitely upgrade, but nothing seems to be bogging down on CPU for me right now so I don’t feel the need. I will wait another generation or two and things will be ever better.
The closest Ive come is DarkTable for C1 alternative but its still not as quick for my own workflow. It is way better than RAWTherapy though in my opinion and I can achieve equally good output with it, just much more slowly than C1 or Lightroom Classic. Worth a shot if you haven’t tried it yet.