I test drove both the HQ and Tin Lizzie, and choose the HQ. I liked them both. Right now many companies are coming out with newer models and lowering prices. There are more companies on the market now, which means prices will continue to drop for some time, especially with the economy. There are many good used machines for sale very cheaply. I love mine, and have never regretted spending the money. It's given me many hours of sheer enjoyment.
To consider also: There is more to learn operating a LA than I ever imagined. There are additional expenses (thread is very expensive, Towa gauge, templates, pantos, marking tools, extra leaders, training tools - classes, DVD's, books, online training classes, etc.) Training is not as readily available as with DSM's and the beginner one offered by the dealer will not be enough. There are many online groups available for help also, which are all wonderful.
On the other hand, if you have NO savings, regardless of how bad you want one, that may be the most prudent choice. Machines are always available, used ones are even cheaper. Savings is something everyone needs in my opinion. Especially in this economy. Once that's met, then spend a little on yourself :)
It's a hard decision. Good luck!