Hi. I have never had a Bernina, but I do have a Janome and LOVE it!!!
I would agree that you should buy the machine with what you want. Do not pay more for something you would not use.
I bought my Janome and LOVE it, but I wish I would have spent another $500 and got a few more gadgets on it.
But, just research what you are looking at and compare prices and look for specials. You will love it!!!
I have five sewing machines, an embroidery machine, and a serger and love them all for different reasons. I love the button holer on one and the stitch variations on another, so spend the most you can for the most you can get and you won't be sorry!