Malaysia 2012 $5 Polymer LAST PREFIX "EM"

***Last year  various collectors, dealers as well as the omnipresent Smart Alecs proclaimed that the Prefix of EG was the 'Last Prefix' for this RM5 Polymer series.
But as usual, there wrong as EG was never the so-called Last Prefix as there were several other prefixes printed.
And now, EM has been proclaimed as the Last Prefix, and maybe these folks could be correct after all as they cannot be wrong all the time, can they?
But, what's so great about these Last Prefix banknotes as even my grandma has several hundred pieces and she is spending them like nobody's business.
What's the use of keeping them or hoarding them if everyone else have them?
Of course, in 20 or 30 years time, they might cost a bomb but where would one be in 20 or 30 years' time esp. when one knows that the 3rd generation normally squanders everything that you have built under the sun!