Barb --
I was in basically the same predicament when I was ready to buy a Bernina. The machines are great, but I'm a firm believer in buying what you need, and Bernina seems to be making machines to create wants and not fulfill needs.
I'm not at all interested in embroidery with all those features or in a lot of decorative stitches. A few years back I ended up buying a 430 because it had the stitich regulator and quality I wanted, but not all the features I had no interest in. It was exactly what I needed for my sewing needs. I'm not sure whether or not the 430 is available, but the 440 is the next step up for quilters.
I think that you need to determine exactly how you intend to use the machine, then find the model that comes closest to fulfilling what you need in a machine. With the price of these machines in the stratosphere, it's important to understand what your sewing needs are rather than getting caught up in all the hype about the latest models. If money is no object, go for the moon. If it is an important consideration, set priorities. Bernina is a good investment, but you need to choose wisely.