If you already own a RTX 4060 → wait. Buying new → M3 Max 64GB.M3 Max 64GB has +56 GB VRAM, 47% more bandwidth, unlocks +5 models, at +$3210 (+1111%) price.
M3 Max 64GB adds 56 GB VRAM for +$3210 (1111% premium). The real question is whether your workflow needs models that RTX 4060can't run.
If yes — you want to run Qwen2.5 Coder 32B or similar — then the 56 GB is load-bearing, not luxury.
$ recommend → If you own a RTX 4060: wait. Prices drop, refresh cycles continue. If buying new: get the M3 Max 64GB IF your budget allows AND you need the unlocked models.