So, went and tried out the Viking Sapphire and Bernina 430 again today. Spent 30 minutes with the sales lady AND tech guy and still couldn't get the bobbin tension to be correct so that no loops appeared on the top while FMQ. So that did it. The Bernina is the ONLY one that I didn't have any problems with it, after sewing on it multiple times. I also got a few accessories, that would have come with the Janome and Viking. So spent $290 more than either of these, but am very happy with the sewing. As my DH said, this is something you will be spending a lot of time on. Better to spend a bit more money and enjoy it, rather than being frustrated a lot of the time. So yay! And THANK YOU all for your help!