I'll take a wait-and-see. I'm particularly interested in seeing how the home-button rumors work out. If in fact Apple was unsuccessful implementing touch-id under the glass and the other rumor plays out -- i.e. facial recognition -- then I'll definitely hold out. I'm very happy with touch-id and Apple Pay. Though there are relatively few places in the US with terminals that accept Apple Pay, I've used it lots in other countries and don't want to lose that feature.