You are a fortunate man who got to this forum by living long enough and you have done well. I have bought 2 new bikes this year that aren't anywhere near what you are looking at, but it was comfortable enough for me to do it without putting us in any kind of jeopardy. I am enjoying them both immensely. This is "our" time. If it is still there when you go in next, heck yes, enjoy the bike. To you, it will be rewarding and worth every penney. If I find ourself in a safe position next year, then we will buy a new tandem and we will enjoy every day we can go out and play!