I have to agree with the group. I have a Bernina handed down from my mom that still purrs like a kitten, and recently bought the 820QE on a frame - because of my experience with Bernina, I didn't hesitate putting that much money into it. You will be glad you got the embroidery - I was sure it wasn't my "thing" but it turns out I use it a lot.
Good luck and let us know what you decided.