Are there new Coldcards coming next year with multi-sig and time lock capabilities or should I just buy an Mk4 now?

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Mk4 will be more than enough. Even if in 1-2 years an MK5 arrives.

hmm ok, I heard somewhere that a new generation of HWW should hit the market in the first half of 24, so I'm hesitant

You don't need a new hardware with a lot of unknown bugs. Safety first, features second.

I just bought one. #Ledger making me nervous #bitcoin #coldwallet

🧡💜 #sats #bitcoin ⚡️ #nostr 💜🧡