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> it's about paying a bit extra now to be able to go from decent-in-2026

Does "slower than an iPhone chip from a couple of years ago" meet that bar?

The CPU is specifically one of the upgradable components. Should a faster CPU be available in future there's the option to swap it in.
For lots of things, yeah. Don't try to fold proteins or open Facebook or whatever, but if you want to run a 3d printer or make some drawings or organize a bunch of notes and docs it would be way more than enough.