I just bought a refurbished 16in M3 pro, no regrets at all. There's always a new one around the corner, it's really just about whether your setup achieves what you need it to.

Look at real world differences between M2 and M3, it's not a massive jump at all.

I do cross platform app development and the machine is excellent for that. Glad to have it now rather than waiting months for a slightly better system