Or you could look at it all and say 'I.ll be dead soon so I could go out after sailing my boat around for a while or I could go out after only bitching about prices not dropping and never getting one'. I believe it's called Oppertunity cost I.e what will I lose by just waiting. There is a cost to doing that.
Or the above simplified - Just get the f*ck on with it before you are dead.