Don't worry, I've not bought one yet either so you're certainly not alone there…!
Speaking from previous experience with buying a PS3 early, I'd personally play 'the waiting game' just to see what sorts of packages or deals become available over the course of this year as the market becomes more flooded with them. I wouldn't personally pay full retail price for the PS4, but that's just my opinion. I can't justify the outlay for the use it'll get. For me to pay the current price, I'd expect a few games thrown in with the console – not added on top of the current full retail price which seems to be the case at the moment. I do strongly suspect there will be better value packages available later on this year (maybe the in the summer or autumn?) which may be tempting.
Another reason I'd be tempted to wait for at least another few months is because there appears to be a lot of system updates at the moment – which does mildly concern me so soon after the console’s launch. I'd wait for this to settle down.
As I've said elsewhere here, it's my birthday next month and I was going to start having a look around then to see what the situation is. However, due to other financial commitments which have cropped up over the past three/four weeks, the chances of me actually getting one any time before the summer now is fairly slim.
One thing which I have already done, partly in preparation, is upgrading my existing internet package to unlimited Fibre Optic – which is the best you can get around these parts. I've never done any online gaming before and I do want to see what the fuss is all about. There's no chance it would have been anywhere near practical enough on my old package (which had ridiculously low limited downloads/uploads). I'm going to need help on this from fellow members here when the time comes as I don't have a clue what to do…
With regards to getting 'options' with it (such as the camera e.t.c…), I'll leave that to those who have one as to whether things like this are worth it or not. I'm in the same boat as you in this respect! I do actually fancy getting the camera but I think it might just be more of a gimmick at the moment…