I would opt for the set up and lessons.
When I bought mine, the owner was moving to the opposite end of the state. I really needed lessons. Then the bank said, you'd better rent out that apartment that this machine is sitting in. Now the frame is in the garage and the head is in a box in the living room. My one hip hurts when I quilt on it. So now I need to decide if I want to keep it and get a computer program to run it, or what.