I'm there. In fact, I'm past my high water mark--fewer guns now than I had several years ago. I still play on the margins, and I'm a sucker for a good deal, but the overall number has stayed fairly even or slightly declined in recent years. I do have more nicer guns than I had a few years ago; most of my "trades" have been upgrades, but for the few that just seemed too cool to pass up--like the 9mm JRC.
As I get closer to retirement, I'm more interested in customizing the ones I have, and building hunting, target, and plinking loads for them. I have found that reloading has opened up far more ways to enjoy the guns I already have. I did cut down on the number of cartridges I choose to own, although inheriting my FIL's 7mm Remington magnum added a new one for me; it's the only long action I own--I got rid of my .30-06s some time ago. I got rid of my .40 caliber handguns but for the Glock 23, and I shoot it most with a 9mm conversion barrel.
With others, if the HPA passes, I'll go on a spree purchasing suppressors. And I've toyed with the idea of an SBR built on a T/C Encore frame, just because it would be cool. Doubly cool if I could suppress a couple of the Encore pistol barrels and add a carbine stock.
So to the OP's question, I decided I had "too many" a few years ago and have been selectively reducing the overall number for a while. By the time I retire, I expect I will have fewer yet and spend more time shooting them.