Well a lot of people here recommend "holding off" buying something that is currently on the market because "in two or three months" the new line will be out. Two or three months after that the "new line" will be out at lower prices. Taken to its extreme, you never buy anything, because there is always something new coming out, or about to get cheaper.
The truth is that if you are currently using a five or six year old build and you buy today's stuff, or today's stuff that is being discounted and moved off the market to make way for tomorrow's stuff, you're going to be substantially ahead compared to where you were. Very good stuff from 2018 is still pretty good in 2019 and both are going to blow away 2013.
If you want to always be in the vanguard you should probably be building a new system every three months.
And all that said, a good 2013 build does pretty much all common tasks including streaming and spreadsheets, net surfing, etc.
One of the reasons I go nuts on these fora is that I get caught up in the excitement. I had been thinking about getting a Ryzen 5 3600 in a few months. But two things stopped me. The first is, someone here posted that he swapped a 1600 out and put a 3600 in and now neither works in the motherboard. The second is, I see myself in that person. I can't count the times I undertook a 30 minute replacement job and ended up spending four weeks on all the problems that ensued. Swap a CPU because the new one is on sale? No problem! pop off the fan, unclick the old chip, pop in the new one, put on a dab of paste, replace the fan, and you're good to go!
But not in my universe. Not a good deal of the time.
So once I get something working I like to leave it be and move on to something else in my life. The downside of THAT approach is that when the time comes to do a complete or partial upgrade you're out of date and there are a lot of traps and pitfalls that you can fall into. You don't know they're there till you fall into them. It's PC Jumanji.
Greg N