You sound like I felt a few years ago - when I bought my Janome, there was no way I was going to every need the embroidery so didn't get it then and bought the 6600P. Then I the more I quilted the more I wanted to do some minor embroidery. So off to dealer down the street and he showed me the Husqvarna Topaz 20. He had the floor model on sale in my price range. I love it. Sometimes I am sorry I didn't go with Brother so I could have the Disney line - but that isn't really necessary, there are so many designs out there. I have the large hoop of 200 x 260 and it has been fine - I need to look into the hoop for doing the continuous embroidery, but not sure I will really use it.
So take some time -decide what type of quilts do you make and what you want to make. Look around the embroidery design websites and decide what you really want. The small 4 x 4 hoops can be very restrictive.