Ad says hoop is cracked "but doesn't affect the embroidery"..don't understand that. Hoops have everything to do with how well the fabric is held. Any little thing with the hoop can affect the stitchout. Also the 4x4 hoop is usually around $30.00. You can pick up PED BASIC for around $150.00 and it should come with a blank card. If not, that card alone is $100.00.
You can buy a good refurbished machine still under warranty for around $400. Sometimes, PED Basic will come with it as an added feature but you know definitely you will need the PED. And if you can swing the cost of a 5x7 embr area, those machines usually come with a USB cord and the memory card slot, so you can also download directly from your computer. I have both kind of machines and I normally use my 5x7 machine the most.