@NZquilter Kansas people must be of stronger stock than me. Are they your twins? If so, I wouldn't buy a long arm at all. I would put the money away and send them out to a longarmer. It costs me about $100 for my longarmer to do a twin size quilt. At the price of a new machine and frame, you would need to do 50 quilts to get your money back.
Of course, if it is to get your "me" time, go for it. But when my kids were little, the only time I could get "me" time is to leave the house!
I know that whatever you decide will be right for you and your family. God bless and take care of those twins!