1992...
Personally I owned a ZX81 (with 16k RAM pack) and two Spectums, my own old 48k and my brother's +2 (which he hated, his ADHD meant that he didn't have the patience for cassette loading and his dyslexia didn't help with commands either - he moved on to a NES and Game Boy). I think I had the 48k setup pretty much maxed out at the time, with an Interface 1 + microdrive and some or other 9-pin dot matrix printer I could connect to the serial port, and an interface 2 - oh, and a LO-Profile 'real' keyboard. I also had a Romantic Robot Multiface 128, which would work on either system and I attached to whichever was needed. Basically I defaulted to the 48k unless I wanted to run a specific 128k title.
However by this time I was spending at least as much time on the family computer, an IBM PS/2 Model 70, bought in 1988 with a Dutch government tax break and extra discount because my mother worked at IBM. Still cost thousands of Euros in todays money....
i386-16
4MB RAM
VGA adapter (mercifully not MCGA)
3.5" 1.44MB floppy drive
60MB EDSI HDD split into two partitions:
- one running OS/2 1.1, which was beautiful but quite useless unless you wanted to use DisplayWrite for word processing. I wasn't allowed to do anything more with this than change the colour scheme as my mother was convinced she needed to keep it pristine for work (turns out they didn't give a hoot, but she was a typical IBM employee, so when she thought there was a rule for something, it was followed religiously 😉 )
- one I could play around with for DOS. I think around this time I'd settled on MS-DOS 4.01. I had also discovered Ultima 6 and Civilization. The rest, as they say, was history.