Those prices look to be NEW machine prices.
For most (not all) of what I use my 4020 for; I would only need a toolroom as well.
I would DEFINATELY get the VMC 1) full enclosure - you can hose the piss out of it with coolant and everything stays IN the machine.
2) You will use the ATC and wonder how you get by without one.
I strongly recomend you spring for the "ridgid tap" feature up front, it will cost extra as an add-on and it is well worth the money.
My 2 cents.
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