I had my first bernina machine for over thirty years. It was the top of the line and did everything I asked of it. I have every foot they made for it and learned to use them all. That is one great machine to this day.
Hubby got the bright idea to get me a new janome three years ago. It is a mid range one and I have bought every foot that is made for it. It is a good little machine and I learned to use the computer built in like I had always had that feature. (So easy t learn) And I agree it is a good machine.
But I missed my bernina quality. So hubby got me a new mid range one last fall. I had never played with the embrodery module before. It is way cool to make custom designs. and to put monograms onto gifts.
I suppose what I am trying to say is, look around, take your time and get all you can for the price. Even though you don't do something now, doesn't mesn you might not want to do it in the future.
Often they put machines on sale in the fall in preparation for the new year's models. Sometimes if you get to know the dealer's well, they will let you know when a sale is going to happen. Also, that is when many people trade in thier machines. That might be an option for you to concider??