Welcome from Illinois.
The HQ Sweet 16 is another sit down machine and the last quote I had (last month) came in at just under $5K for the machine and the table with the extra extension on the left side. The Baby Lock Tiara that you tried is actually the HQ Sweet 16 re-badged for Baby Lock - but cost just a tad more. So if you liked that, you will like the HQ.
The quote that I have is from the main office in Utah but she told me there was a dealer in Rockford Il that might even be closer to you.
I LOVED both of the machines and I seriously want one. I'm wrestling with *justifying* a machine that ONLY quilts. The more people write about these two machines, the closer I get to justification!!