I have 2 Bernina's, a 730 and a 330 for travel. If I had the money, I would trade the 730 in for an 830 (because I love the embroidery). If you don't need the embroidery, then I don't think you could go wrong with the 820. My Bernina dealer gives great trade in values on machines, even other brands. I won a little Janome Gem Silver and really didn't need it, so, unknown to me my DH made a deal to trade it in on the Bernina 330. The dealer gave me $300 on it toward the 330. That is almost the selling price for the Janome. So, check to see if you can get a decent trade in and you will have some money left over to buy accessories for the 820. Let us know what you decide.