Locally, there are a lot of used bikes for sale at great prices. I’ve only bought one, for my wife.
What stops me every time is that I don’t have a need for the “new” bike. Definitely cool, great deal sure. But so many of them are a version of what I already have. Space is limited and regardless of the price, I’m not a hoarder.
So for me to buy a new bike right now would probably mean trying to sell one of the others or finding something so desirable (to me) that I just can’t let it get away.
Beyond that, it’s got to fit. I’m done messing around with trying to make it fit. It’s perfect or it’s not for me.