If you do upgrade don't get rid of your old machine too soon. Like you, I didn't have to upgrade and I hesitated getting a new machine because of costs. After I was able to use a new Babylock at a weekend sew along with Eleanor Burns I fell in love with the machine but again hesitated. About six months later I was able to get the same machine from the dealer that had run the sew along and was able to get a lower price than offered that weekend. I had to setup a payment plan and able to pay it off in a reasonable time.
I love the pivot stop on the needle feature and the automatic thread cutter especially. But I do have some features I still like about my older machine better(I actually like the decorative stitches better) and glad I still have it.