Sometimes a more useful question is "what else are you saving it for?" If there's something specific and important, well, there's your priority. If not, well... What I think everyone needs to find is a bike you really like, one you want to get on all the time, one that will last you through all the evolution your riding future might hold. If the enthusiasm is tempered, don't spend much. If the enthusiasm is ingrained and growing, look up the line. If you know you will be doing this for hours and hours every week for as far as you can see, then go big or go home.