K: How much actual embroidery do you really do? If you mostly quilt and make bags, wouldn't the "fancy" stitches on an upgraded sewing maching be sufficient? I ask this because my Viking has tons of those fancy stitches and I haven't figured them out yet. It should make labels if I learn. Personally, and this is just my humble opinion, I'd like to trade up to a machine with a bigger throat and learn to use the optional stitches. I'm like you-I just make quilts and bags so wouldn't really use an embroidery machine.
Good luck in your decision; let us know what you decide.