I have the 270D and it suits me fine. The size is fine for me. I don't really care much for the look of the larger embroidered designs on many things. And, I have never once wished I could make a larger one.
I do have the box that connects to the computer and a blank card and it was a big investment. Now I can use any designs, even the free ones from the internet and I share designs with my mom.
I have many collections I bought off ebay. You used to be able to find cards on ebay, too. The prices were reasonable. I prefer to make my own designs. I use PE-Design. Again, another investment. But, I enjoy the process.
It also pieces a very accurate 1/4 inch seam. Better than my other machines.
I guess my best advice is to make a list of what you want the machine to do. Be brutally honest with yourself. Yes, some features sound wonderful. But, will you really use them? Do some serious research. Then wait until you find the machine you want at the price you want and can afford. You may have to wait awhile, but it will be worth it in the end.
Good luck :)