I'm a computer engineer so many of the programs I run are CPU and Memory heavy. My rig at home can run anything but is windows. I live a split life between needing Mac for Linux programming and Xcode and windows for Hardware programming with Xilinx. Anyway besides all this, I'm not overestimating what I need, my current Mac was $2,800 when I bought it back in 2015 and has done well but is slowly starting to die after 4 years. While it still does what I need it to(for now) its not as fast as I'd appreciate. Probably going to go with the gift card idea just for the fact that 10% is definitely the biggest kickback I'll get regardless of whether I buy a Mac now or later. Thanks everyone