Buy it to play PS5 games, that's the only reason you should buy one.
If you want to play PS5 games now, buy one now.
If you can wait, buy one later.
If you have a PS4/Pro (and don't pirate) and it's very loud, you can buy the PS5 if you want something quieter.
If you pirate, keep playing on your PS4 since PS5 has no hacks of course.
If it's difficult to make a decision because it is a lot of money for you, don't buy it