I hear you.

My current system, was very much an overkill system at the time I bought it.
Just under $4000 canadian, which at the time was maybe $3200 us.

It is certainly adequate for my uses, but 3 years down the road.. ie, today..
For a lot less, I could build a stronger system.
Top of the line is always the most fun to have and play with.
But a few steps back is more economical, and you can upgrade more often.
Still, if you can afford it, top of the line is a very nice way to go too.