Its not only about the money. Its about buying a product that has never been tested. Early adopters not only pay the highest price they are also the ones that deal with the most headaches.
This isn't about Apple this has to do with all technology. Leaving Apple out of this lets take the early Nexus One adopters. They will pay the highest price for the phone, on the worst network (TMobile) and they will deal with all the bugs and the customer service learning curve.
When it comes to all technology the early adopters that have to be the first on the block to have the product pay all the costs of bring the new technology to the market and they get a gen1 product that almosts always improves with time.
Its not that you wait forever or never buy anything its that you wait for the price to become reasonable and the bugs to be worked out.