The prices you have given are what it would have cost in 2011?
What is she asking for it now? Can you afford the asking price, especially once you sell your current set up? If you can afford the Innova, I would encourage you to buy it. It does not matter what I, or anyone else, would pay, my financial situation is different from your own.
And as far as your age goes, you are unique and your health and whether or not you have to sell your own home in the future will determine how many years you are able to use it. When you are no longer benefitting from the machine, you can sell it on to another quilter who will get years of enjoyment out of it.
I am looking at purchasing a demo model APQS one of the 2016 models, that has been used in shows.
http://sparrowstudioz.blogspot.ca/20...-quilting.html for $17,300, with full warranty. Although truth be told I will likely be purchasing a demo machine this time next year. My summer is far too busy to allow me the time necessary to learn to use a new machine.