Many seem to be talking about their last system .

I retired in June 2017 at 63  1/2 years old.  I  dropped 30K into my 2 systems right after I retired.  I am very happy with both systems and feel I won't be changing.  My income is now half of what it used to be so I won't have the disposable income for many more toys.  I bought all McIntosh pieces with the 30K.  The equipment should last the rest of my lifetime. 

Unlike Bill I am becoming more 'dogmatic', even thinking about reel to reel deck, in fact already decided, it is just a matter of timing. I'll get half track Otari, Studer is just too expensive for me. But I like tape, I'll put everything I need on tape and will keep turntable and records as archive. Besides, very often I don't listen to entire record and I am tired of moving the needle. And if I manage to get some master tape dubs that will be great.

Retirement is a ways off for me but I have no plans to die with a death-appropriate-sized/priced system.  My goal is to squeeze every ounce of life's pleasure out of each day up until my last.  I'm unaware of any upside to dying with a prudently configured audio system.