When I bought into medium format digital I let someone else take the hit by buying used - like new with less than a hundred clicks but not bleeding edge - and at a mere fraction of the cost.
Worked for me, but there again as Bernard has suggested, the market has changed beyond recognition.
Changed, and also because the pro photographer market has changed beyond recognition too.
In fact I think everything about photography and cameras, too, has changed. We have found ourselves on the top of a huge wave of change that is being driven, today, by the coronavirus which I believe will never allow the old days to return in any sphere of activity. I simply don't think that the old, reckless days of high spending just because one can will be back; I think we will all become far more cautious and consider savings like the young never did before - if we can find and keep a job. The idea that the future will always provide seems kinda quaint today.
In other words, I think the young will develop old heads. Which would be a pity, because old heads come with the baggage of a lifetime upon which to dwell. Shame to have the weight of that baggage too young.