From the software part, I think this is only an issue if you're a developer. If you want something like the most recent LibreOffice, you can just install it via Flatpak. A bigger issue arises if you need something like a more recent Python or GCC.
From the hardware part, you should of course always check beforehand with a live distro if your hardware is supported. Debian 12 however is very recent and should support most recent hardware and it will keep supporting it unless you upgrade e.g. your GPU.
From the software part, I think this is only an issue if you're a developer. If you want something like the most recent LibreOffice, you can just install it via Flatpak. A bigger issue arises if you need something like a more recent Python or GCC.
From the hardware part, you should of course always check beforehand with a live distro if your hardware is supported. Debian 12 however is very recent and should support most recent hardware and it will keep supporting it unless you upgrade e.g. your GPU.