The average viewer doesn't perceive resolution alone as a significant factor in display quality. Contrast and colour are far more important for casual watching. There was a test done a few years ago at the InfoComm expo to illustrate this.
Resolution without good motion handling (i.e. with bad scaling/deinterlacing) on a panel with a slow response rate and that has poor contrast and patchy brightness (poor uniformity) and where the colours are inaccurate and over-saturated to the point where the picture looks like a flat 2D cartoon is still a rubbish picture. That's what a lot of these budget 4K TVs are offering. It's the same every time there's a resolution step. We saw this particularly acutely in the step to 1080p. A well sorted 1080p TV is a much better investment than a price-fighter 4K TV that is trading on a headline resolution figure and price.
The idea of buying a budget 4K TV now as future-proofing is somewhat flawed logic too unless it supports HDMI 2.0, HDCP2.2 There's also the as yet unsettled question of a 4K TV tuner.
Everyone has their own reasons and motivations to justify whatever upgrade path they decide to take. For some it doesn't matter if their new 4K TV doesn't support High Dynamic Range or a true 4K source when it arrives; so long as they can get 4K Netflix now then that's fine. Others want to PC game at 4K. That's fine so long as the graphics cards in the rig are up to the task. Remember, it's not just the resolution but the frame rate that's important. Just as big an issue though is the slowness of the pixel response rate. TVs are nowhere near as quick as desktop monitors in this respect.
In the end I suspect it comes down to whether a person thinks of a new 1080p TV as dead money when 4K seems tantalisingly close. Personally I'd rather have a great image that's usable now than suffer four years of a poorer image from some hardware that isn't so well supported until it comes time to upgrade again. IMO neither TV will be worth a great deal, so it's not like there'll be a tonne of money coming back from a used 4K TV when the market has moved on and expects HDCP2.2 etc.
Agreed, my post was a bit simplified. As you say picture quality, motion handling etc are key factors and I wouldn't trade those just for 4k for the reasons you mention.
It's a difficult decision at the moment as 4k TVs are starting to come down a lot in price, then you've got OLED technology breaking through as well.
But what I'm tending to see now is that the cost difference between 1080p and 4k sets of similar PQ etc aren't that far apart (small enough to go for the 4k set in my eyes anyway). The 4k sets I've been looking at have HDMI 2.0 and HDCP 2.2, I wouldn't look at one without it currently.
On the flip side 1st gen technology goes out of date very quickly and you pay a premium for it - there's no obvious choice for what is best to go for!