Your other option is to go with a nice vintage machine. For basic sewing and quilting is a straight stitch machine. A good vintage machine is usually pretty inexpensive, easy to operate and maintain. I have a 10-12 yr old Viking Platinum computerized machine with many bells & whistles as my every day machine but also use my featherweight for classes and travel. Still working on getting my Singer 66 refurbed and running.
A 1/4 foot is nice but you can also just use a standard foot and use any manner of tools to mark your 1/4" stitching line. I don't do much machine quilting at all but I've not needed a walking foot with my Viking. Have not machine quilted with my FW so can't offer an opinion on that.
You can get away with a minimal initial investment until you get a better idea of what type of sewing/quilting you like to do.