Long time lurker, first time poster (blah blah blah) - this is such a great place to learn more about my Kobo, so thanks to everyone who posts here!

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The new Kobo Forma has got me thinking about upgrading my H2O (first edition). The Forma looks neat, but it's expensive and I'm not quite sure how about how I feel about the look of it yet.
I read a lot of library books using Overdrive so being able to borrow books straight from the ereader versus ADE is a huge selling point for me. I thought the Aura One was my only other option, but I see that most of the newer ereaders are now finally allowing for borrowing via Overdrive directly on the reader (about time!). The next most important feature for me is waterproofing as I like to read in the bath (and at the pool, and at the beach

). I'm also interested in the ComfortLightPro because I could use less blue light in my life.
Waterproofing narrows down my choices to the H2O2, the Aura One, and the Forma. Should I save my pennies for the Forma and get the newest hardware, or will the upgrade from the original H2O to either the H2O2 or the Aura One feel like enough of a jump that I feel like I spent my money well?
I'm not in a panic, so I'm willing to wait things out a bit. I like my H2O, but getting the features I've been wanting (Overdrive access and better lighting) would be such a treat. Thanks for any insight.