I bought a Pfaff P3 several years ago (maybe 10?). It has an 18" throat and I do not regret spending the money. It has robotics which is what I mostly use. I have never paid to have a quilt done by someone else, I bought my machine as my retirement present to myself. I quilt for myself, for a few friends, and comfort quilts (charity) for my local guild.
I think there is value in doing your research as to brand/size/features/service available locally, but in the end, only you will be able to say if it is something you want