Like Dunster, I have never tried the sit down long arm. I just could not quilt on my dsm, so I purchased my long arm..which I love. But I still keep thinking that I'd like to learn to quilt some small pieces on my dsm....just haven't done it. DJRustic, that set up in Stover sounds interesting...I'd like to see it.
What I really want to say is that you need to do whatever is comfortable and affordable for you. I like being able to quickly load the quilt and start quilting. I am not able get down on the floor and crawl around pinning a quilt. Whatever you do, have fun. Happy quilting.