I have a Viking 18.8 and like it very much and it does a good job. There are tons of machines out there and you can find good used ones at dealers or on places like Craigslist. There is a lot to learn and takes lots of practice but if I can do it you can too. With two people quilting you should get your moneys worth by just quilting for yourself. I don't quilt for anyone else, not that they would want me too,lol, I think it is worth the money to have one if you want one. Go for it.
I don't think it is difficult to learn how to use one.