Does the machine include the Tru Stitch (the stitch regulator?).
HQ sells the Sweet Sixteen for $5,195 for the machine, table and bobbin winder, and $6,190 if it includes the tru stitch. The overlay for the 30x36 table is another $90.
In looking at the Tiara Studio package - the Koala table is bigger (and probably nicer - being that it is made of wood) than the HQ table - so I can see where the Babylock dealer would place a premium price on the table. I have no idea what their warranty costs.
See what they are willing to throw in - useful accessories include the open toe hopping foot and the horizontal spool pin. Be aware though that changing out the foot on a Sweet Sixteen/Tiara is much more involved than on a domestic machine.
My HQ dealer gave me ~$100 to spend on accessories of my choosing and a discount on any HQ accessories that I purchase from her in the future.
They are fun machines.
Cheers, K