When I upgraded the machines in my sewing class, I purchased all Janomes and they have been great, no problems.
Since you are on a retired budget, are you looking for computerized machines or mechanical machines? You mentioned bells and whistles - are you talking only perks available on computerized machines? You didn't say what model the Bernina was that the girls were familiar with. If computerized is what you are looking for, a used machine might be a good option. Several of the machines I purchased for my class were used and they all perform as well as the new.