Both of my Berninas have embroidery capabilities. Thought I need one to back up the other. I love both machines and use them often but never both at one time and rarely do I use the embroidery feature. As others have suggested, get started w/quilting, etc and then decide your needs. One of the Berninas has a large harp and it is wonderful when FMQ larger projects.
And don't forget to check good/great used machines. One of my Berninas had only 200 hours of use. The former owner traded up and I lucked into getting a great used machine at a much lower price. Yes, it was covered by warranty and service.
You didn't say the ages of your daughters, but having an extra machine in the house will come in handy for them or grandchildren.