Thanks everyone for all your advice. I do know that Brothers and Baby Locks are cousins and I've never had a problem with my little Baby Lock. I'm sure like anything, where you buy something, makes a difference. As for the Warrenty, yes it would be a PITA to have to ship it to Brother for it to be fixed.
My Sew and Vac shop in Longview sells Brother/Baby Lock machines and most are really high end in the thousands of dollars. They do have trade-ins, but I've never seen anything in my price range.
I was told by one shop to steer clear of EBay on machines right now, because they could be some from flooded or tornado damaged areas and are wanting to get rid of them and the consumer is stuck with something worse.