I agree: if you have doubt, wait.
I purchased a refurbished Baby Lock, a great deal, some years back when I first started to sew. The machine was a dream, BUT more than I needed. It sat there...all the wonderful embroidery it could do wasn't being used. I eventually sold it to someone who cherishes it to this day and she uses all that machine has to offer. I then bought a very good basic machine. I've upgraded it since then and I'm v. comfortable with its level of features.