I researched and saved for 5 years. During which time, I was able to use my friend's computerized Gammill for a few very large quilts, and used my Janome 6600 with a 9 inch throat for everything else... including a 90 inch queen quilt.
I found free motion on the frame to be really cumbersome and heavy, and standing all day was tiring. While I loved the precision of computerized designs, I didn't feel like it was very creative. I spent more time manipulating the computer to do what I wanted, than actually feeling creative. Then you have to stand and watch it do the quilting, just in case something goes wrong..
I tried out several sit down machines, including the Sweet 16, Gammill Charm and Innova sit down, and researched the George from APQS. It became clear early on in my research that I prefer the machine to be oriented like my domestic, with the throat to the right of the needle. I couldn't get used to facing the head of the machine...
In the end, I purchased a 22 inch Gammill Charm. It sits in an industrial table with large, locking wheels. The side and back of the table flip up to support the quilt. If, in the future I have room for a frame, and decide I want one, I can make the transition and keep my 22 inch quilting machine. I love my Charm. Gammill has wonderful customer service, and they have a long history of quilting machines.
Good luck with your decision... I know It's a big one!