I bought a used mid-arm (HQ16). I used money I inherited from my grandmother. My DILs and my sister use it, too. My husband enjoys helping me set up quilts on it. Different people have different luxuries. This is one of mine that I share with my family.
I always explain to people that comment on the number of sewing machines I have in this manner. My husband understands that he could build furniture with a hand saw and a piece of sandpaper but he wouldn't enjoy it much. He sees the value in having the right tool for the job and for me my quilting machine is the right tool.
I say that and I am probably going to quilt the baby quilt I just did on my domestic machine today. It is for a boy and all of my patterns have flowers on them or are too large forthe quilt. Straight lines are easier on teh domestic machine but tedious.