I just received an email from Quilter's Haven in Minnesota and I thought of you and your dilemma. They have a special this Saturday on the Bernina 830 - I don't know the difference between this and the 820. Besides the 48 months financing, you get DesignerPlus V6 software, jumbo hoop, and 1,000 OESD designs. The website is
http://www.quiltershavenmn.com/
Whatever you decide, try to get the best deal. Good luck!