I have a similar setup and paid a few thousand over the price your product is advertised for.
I haven't got my money back on it yet and its been over 4 years. I bought because I wanted it and could afford it. So let that be your guide. If you can afford $150 a month for how many years and you want to quilt, then buy it. Just make sure you won't resent those payments in a few years.
MaryKatherine