So, you're basically a week away from a Dia Relic (if getting 10% in 2 Gold PF). And we don't know how long till 4.5 (previous windows between updates have been on average 3 months-ish).
Can you not open relics (of any kind) for that long?
Is Annie the only character you really want/need?
How strong is your current roster?
Will a random Diamond help now vs. 3-4 months from now (which might not even be Annie)?
Who knows, Annie might be in the Spooky Relics?
Or the Ornamental Relics later this year (open and leveling up a Diamond now could help for that PF)?
In the end, hoarding relics for a specific chara is kinda a personal preference/needs kinda situation. Good luck with your decision