Like many others here, I've been really contemplating collecting lately as well. For many of the same reasons listed before (family, funds, space, distribution, etc.), I've been looking to cut down on what I collect a little bit. On the other side of things, I still have the passion for collecting SW, and imagine that I'll always be in it to some extent until the end. I just like it too much still.
That being said, I haven't quite decided what to do with the start of Droid Factory next year. It is a great idea, to be sure, but I'm just not super psyched about some of the figures coming up. They all look well done, but I just don't care about re-dos or re-releases of clonetroopers and things like that at this point. Wave 1 in particular is sort of a snoozer aside from the build a droids, and I'm trying to consider if I really want those bad enough to buy a number of figures I don't really care about. Wave 2 is better, but still not necessarily needing them all. And I'm a person who likes the resculpts, particularly of OT figures, so it isn't just that. The overall choices are just a little ho-hum.
There's also things like the Speeder bike, the recent Ewok set, or even last year's Taun Taun that really get me excited for collecting as well. I've also enjoyed the run that TVC has had, and I can't wait for that final wave. In the end, I may just end up buying everything again next year (as I did last time there were build a droids), but I also look at it as a good chance to get more selective and save a lot of money. Although I've bought the majority of the line over the years, recently I've been gravitating even more towards the OT side of things (which was always the case anyways), and the figures that excite me the most for the most part in the waves we've seen are those as well. I also like the CW realistic stuff, so I'll likely get those too. Other than that, we'll see. Like I said, they look nice, but I really don't care about more clones, droids, or even Geonosians for the most part. Nice figures, just have enough I guess.
Also, I really hate buying/collecting stuff just to pack it away or have it laying around - so that has helped to curtail the spending a bit too. I went through and sorted through some displays this year and packed up a lot of stuff that was cluttering up our office. I used to have the mindset that I'd get it out "someday" when I had more space, but I just don't see that happening anytime soon - and by the time it does, I may not be interested in that anymore. It has gotten to more of, if I can't display it, I sell it or give it to our daughter to play with. I still have the enthusiasm for the SW line, but I look at next year as a chance to cut back just because there is so much I already have (and don't really need more of).
Honestly, if I could get past wanting the build a droids, my buying would probably look something like this:
Wave 1 - Anakin, Padme, Biker Scout, Sandtrooper, Pablo Jill (possibly R2 and TIE Pilot)
Wave 2 - Ceremony Luke, Rex, Mace Windu, Mara Jade, Biggs, Vader, A-Wing Pilot
Still most of the figures I guess, but a much cheaper year overall. Honestly, if all I collected was the "collector" segment of the SW line, it wouldn't be all that bad either with 30ish figures next year and likely a few exclusives.