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So bottom line, if you want them buy them now, they will only go up.
...most retired sets will go up or at least stay relatively steady. Most do not go down. Sure, some do and eventually the bubble could burst, but for the most part you're looking at something that was off the market for 6 months, then 12 months, then 2 years, then 5 years. With each passing day, you're getting further from the last day it was available through retail. Again, that doesn't mean it'll cost you more tomorrow or the day after, but it's a lot less likely that it'll cost you less.
So if you want those sets, get them now and don't obsess later over the "should've, would've, could've."
Specifically, I'm looking at 31025, which is down from £34.99 to £28 on Tesco ("Hurry while stocks last"), and just below that on Amazon. I'm trying to decide whether to chance it getting cheaper still later in the year, or just buy the thing now and avoid it going out of stock altogether. Does anyone else lunge at discounts on newly retired stuff in January, or is it worth hedging my bets a little?
If you are holding on waiting on it getting to 30% off, you are only talking about saving yourself around £3.30, is it really worth worrying about, especially for something that has retired.
If you want it enough to post on here about it I would say bite the bullet, and if it drops a tad more just tell yourself it was worth the extra few quid to build it a few weeks/months earlier.
You should be pro-active about acquiring not yet retired sets :)