Buy now or wait
What's your current rig?
There are some chances of 12th gen dropping in prices when 13th gen releases, but it's hard to tell currently.
As for your upgrade plan, I'm a bit confused.
If your case is mini itx them there's nothing you can really do there, but if not then I'd get a matx like the b660 steel legend or msi pro b660m instead.
For the cpu choice, the 12400f would make more sense since it's going to last longer than what a 12100f would.
Subsequent ddr4 swap since ddr5 dosent have a lot of benefit over ddr4
All 12th gen boards should support 13th gen with a bios update when they're released
Can't say for the benefits since the new gen will probably be similarly priced then 12th gen and will be released early next year

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