I haven't had to do any maintenance to my Di2 since the bike was new over 2 years ago. For a cable pulled system I had previously I will have had to adjust it once maybe even twice a year. Maybe even be looking at replacing a cable by now.

Though my electronic shifting has saved me some expense or in my case just my time since I DIY, I'm still probably on the hook for the what so far is the unlikely event that a component goes bad. But I'm okay with that. I don't buy things that I can't afford to easily replace. And that includes the bike itself.

So if you are taking out a loan and pledging your firstborn as collateral for a bike, then maybe you should consider something not so expensive. In a half dozen years or so, electronic shifting will be into lower tier bikes. It's already made it to 105.