For the Viking; yes the do have machines for under 500. They are really good machines and work horses. If you go to a LQS you should be able to try it out. I have a Viking #1 w/embroidery, it was my first and as soon as I have time to test it since it just came back from servicing I'm putting it on sale since a few months ago I bought a Viking Ruby; I love it, it's easy to use and set up and has so many bells and whistles. Will take me a while to learn them all but that's life. I also have a Viking Mega quilter; a great machine. I have had only luck with Vikings. The thing about the Bernette; it's not made nor supported by Bernina; so beware on that one. My other machine that I have is a Kenmore made by Janome that I got at Sears a few years ago and it's my backup when my embroidery is in motion or I have a class that I don't need to have the Ruby at. I got the warranty package from Sears and that was good. You are right about the thread. My machines so far aren't finicky with what thread I use but I've read on here where other machines are. Rather they are expensive machines or cheap ones and rather it's cheap thread or expensive thread; you can have issues. If you can go into a store and test drive some machines to see what they have you'll be happier with your purchase. If possible; I'd stear away from buying from Walmarts or something like that. The machines made for them aren't like the ones sold in fabric stores. Good luck on your search.