I am not sure that anyone has posted this if so I am sorry. Bunnycup Embroidery has I think it is 72 retired sets that you can download for free. I have purchased from them their designs sew out very good. Just thought that I would throw this out there for some of the newbe's in machine embroidery a way to get started with out a lot of expense.
http://www.bunnycup.com
From there on the left side is a site map look for Free Retired Sets and click on that. You can download in any format.