Thank you for leaving a comment!
These are exactly the same thoughts that I have. And as you, I am not 100% sure ; - )
For now, with the little knowledge I possess at the moment, I have decided to wait and accumulate, as I speculate on a better ratio than today in the upcoming weeks. But still, I am not so sure, if saving is yet the best decision, that is why hearing opinions from other community members is very exciting!