Visit some of the sewing machine dealers in your area and speak to them about what you are looking for and see what they have to offer. I always believe that having a good dealer is as important as having a the right machine. At some point you are going to need to have your machine serviced, and Costco or
Amazon isn't going to be of any help to you, but your dealer will. Most dealers also offer (usually free) lessons on how to actually USE your new machine to it's fullest potential. Again, Costco or Amazon isn't helping you with that. And finally, when you visit the dealer, TEST drive the machines, and be open to purchasing a used machine or a floor model. Dealers almost always take trade ins from people who are upgrading and then they service them and sell them. As a result, a dealer can often offer you a much better quality machine with more features than you might otherwie be able to get.
I'm also going to suggest that if the embroidery part isn't essential to you, that you consider a good vintage machine (one that's full of metal gears and parts, manufactured prior to 1980). Most good vintage machines of that age are much more well made than many of the inexpensive newer machines, and the price will be pretty low. If you aren't familiar with them, again, the sewing machine dealer is your friend and can help you get a solid garage sale machine in perfect working order and it will outlast any $200 machine you're going to buy from a big box store.