When I got my old machine I never thought about quilting. It was for making clothes and home decor. Its a good little workhorse, but it never did accommodate quilting quilts! Only a 5-6" throat on it. I think this is why I got into handquilting! Even though I love to handquilt, it really is not the quickest method when you need to get something done. I love all of the stitches that my machine comes with and can see doing a crazy quilt, etc. with it.
I've always sewed clothes, so having the overcast and overlocking stitches, plus all the additional decorative stitches is really a wonderful treat. My old machine had overcasting, but not the overlocking and what a difference it has made.
This is from someone who learned it the hard way. Try to get as much as you can afford. Down the road, you'll probably find uses for your machine that you never dreamed of, it'll give you room for growth.
I really like the needle up/down, needle threader (eyes getting worse), thread cutter, accu-feed system (this is wonderful), feed dogs up/down, knee lifter, built in walking foot and the ability to resize my stitches with just a touch of a button. These features have made my life sooooo much easier and my sewing experience much more enjoyable!!
Good Luck!!! Hard decision ahead!! :-D