You sound like my wife!
Totally kidding ... well sort of ...
This is really where I am now. I've been eligible for an upgrade since last August and I've been waiting for that "ideal" phone. Problem is, it hasn't come around yet. And now my desire for a new phone is starting to overcome my willingness to keep waiting. So, I'm falling into that situation where I'd like to upgrade now and somewhat settle, and then, in essence, buy more time for that "ideal" phone to come along.
There's also the fact that while my current phone (BlackBerry Tour) works fine, it doesn't do the things that the nicer current phones do. And to have that better experience, I need the newer phone, even though there's functionally nothing wrong with what I have.