If you not having application performance issues related to your CPU then hold off until you are

Thats basically the correct way to look at it.

Look for Samsung B-Die DDR4 if you want the pinnacle of DDR4 performance which is what you should be aiming for with that chip.

I use 4x 8GB B-DIE with a 13700k @ 3600 cl14 which does well

I have a 13700k and my wife has a m2 macbook pro

The macbook feels way too sluggish to me and if lower power mode is on…oh boy that thing is a slug.

You would only get a 14900k over a 14700k if you were already getting a 4090 and still wanted more