> why do it now and introduce complexity and debt if you can do it later when you actually need it?

The same reason I don't wait until it snows to buy snowboots. I know my environment, topography, scale, risk-profile, and costs, and can concieve of innumerable use-cases for when they will be necessary, even if it's only May, when snowboots happen to be on sale ;) What's a little closet space and the burden of locking my door when I leave the house in the interim?