I have really enjoyed reading all of your comments on this thread. I totally agree that you should be able to find a used machine with all of the bells and whistles at either a quilt show or from other quilter's from a guild. Some dealer's sell great trade in machines for a reasonable amount too. You should let the ones in your area know you are in the market and your top dollar amount and keep looking until you find what you want. The advantage of buying locally from a dealer is the service that machines require.
My sister asked me for my first bernina 830 and I gave it to her. Maybe if you let your family know you are in the market, there is a closet machine you could get for free. My "gift machine" had every foot you could buy for it. That is where the you can run into money... big time, with a bernina. Trust me, if you sew home dec or clothing, you will use them. They are worth thier weight in gold. Learn to use them and the built in stitches. You will be very happy you did.