No chance that these chips already are hardened against Spectre and Meltdown. But to buy new chips today if not desperately needed to do, imo is pointless if accepting these - though still theoretical - vulnerabilities.
Wait 3-4 years, if you can afford it. Its absolutely possible that it will take this long.
My new (gaming) system meanwhile, with Win10 Pro, has given me more blue screens in 5 months than my XP and Win7 platforms alltogether in over ten years.
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If you feel nuts, consult an expert.
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