The HQ Sweet 16 is the machine I covet. I can't fit a frame in my house, and I prefer to move the fabric under the machine rather than the machine over my fabric. The Babylock Tiara is the HQ Sweet 16, just rebranded under Babylock, so if you have 2 dealers in the area, you might see how prices differ.
I don't think the OP is nuts for wanting to invest in the HQ, if I had the funds (and space) today, I'd do so in a heartbeat. But will have to wait while I save my pennies.
Cheers, K