Convenient monthly payments may allow you to buy the other things you need in life without having to sacrifice a comfortable home atmosphere. Maybe you also need to make repairs on your roof to keep it up to code and avoid city fines? You may have the money to make the repairs on your roof and get your plumbing or HVAC installation or repairs the same time. Or, if you want to think of yourself as a company, it could mean you can use the extra capital to purchase equipment, allowing you to grow and ultimately succeed.
Your equipment's value does not come from ownership; it comes from use. Waiting another 3- or 4-years is simply deferring value.