Go for it. When I retired I had some buy out money, I bought the Bernina 440 w/BSR and a big TV for hubby. I also knew if I didn't do it right then, the money would, like you said, get assimulated into the household money. Never regretted it. Food for thought. You might consider keeping the 6600. Someday you might want to put the 820 on a frame.