Ya, it's pretty expensive and time-consuming always surfing the leading edge. I've always found that when buying computers, the best value lay at around 3rd place. Don't get the newest batch, nor the 2nd newest, the 3rd newest will often do the trick and ease the burden on your wallet.
But 3rd in the bit-race is 16bit, and that's just not gonna cut it. I do a lot of photo and video editing, and I really want 64bit compatibility so I can install 8GB of ram and use it. Even with 4GB, Windows 32bit will split it into two chunks of about 1.7GB, the remainder is unusable.
However my installation attempts have all been thwarted. I have a reasonable system, and at one point I worried that it was my power supply, so I bought a new one, incurring about $100. But that didn't solve my situation. So do I spend even more? Do I just buy a completely new system? The system is only 6months old. I don't have the money to fork out for another system. It's very frustrating.
So I'm sticking with 32bit for now.