Thank you for your replies. I have had the opportunity to use both machines. I quilted a baby quilt on the Charm shortly after she purchased it. and I recently went to the Innova dealer and test drove the sit down there. I'm still torn. I can currently quilt up to a queen on my Janome 6600... the center is always difficult, but as Dunster suggested, I don't know that I'd need the extra 4 inches of space.
While the CHarrm is the more expensive machine, and has the tablet, and voice control, the extra technology seems unnecessary, and I've often thought that the oiling schedule seems strenuous for the Charm.
My husband does think it's way too much money to spend... on any machine, no matter what one I choose. I don't want to make this decision under the pressure of a time line, just to take it off her hands.
Big decisions make me crazy.