If you aren't sure how much embroidery you will be doing then go with a less frills model. You can always trade up. Buying a higher end machine just might not be the most practical.
I guess it is a personal balance between what you want and what you can afford.
One friend did buy an embroidery machine but now only uses it for sewing. She found out the hard way she doesn't like embroidery but prefers the regular quilting and sewing.
ali