Go with the surprise if at all possible!
If you get it from a local dealer, chances are you can make arrangements to exchange it for another in the same price range if necessary.
My parents surprised me with a Bernina many years ago. I loved it- still do but it doesn't get used much.
My husband surprised me with a Janome several years ago . I loved it - still do and use it a lot.
My most recent is a Janome Horizon which I bought for myself with my dh's blessing... I do love it!!! but it doesn't have the same sentimental attachment as the gifts.
Surprise her with a machine , not a gift card, if you can - she'll love it...and you!