Lots of good opinions and right-thinking in this thread! Cool!
I'll add that it may be worthwhile considering that going 11spd opens up wheel and cassette compatibility options which may be nice to have in the future. All 11spd cassettes and derailleurs are cross compatible.
Whether buying that ability makes sense is another question, and I think that @
tekhna nailed the number one question: are you already geared up to ride? If not, and you're watching dollars, you'll find there's a lot of other gear beyond the bike that you'll need and want and which are more important than an extra gear, cross-compatibility, or minor improvements in ergonomics and shifting performance over 10spd.