I can say I'm happy with my Tormach. if you read through this topic, I think you'll see that the vast majority are happy with their Tormach. There are some problems discussed in this topic list too. Again, if you read, I think you'll see that they are addressed by Tormach. So, no worries there.
I too, make prototypes. A tool changer would be nice, but as I usually am making a few pieces, I am carefully watching the initial jobs run to be certain there are no hiccups. This requires me to stand by the machine and watch, so I might as well change the tools. If production were my goal, the tool changer would be a must on a VMC, not the Tormach. I would go out and buy a used VMC to zip through the parts. I'm not interested in competing for those jobs, so no VMC.
I don't know about the vise, I did not buy one as I already had one. I know that careful shopping can reap some savings if you have the time to shop carefully. I purchased many of the recommended items on the deluxe list. The only disappointment was a $95.00 software package (I've forgotten the name, because I don't use it.) There are many free things on the web that does what the collection of stuff does, so avoid "Machinist Toolbox" or whatever it is called IMHO. Buy more Drill chucks than you think you'll need and consider buying more ER20 collets too. This allows you to keep your regulars in the tool table for repeated use.
There is a fellow on the web: NYCNC.com that has documented his first year of owning a Tormach very well. I recommend you go look at his videos to get and understanding of the entire process. He has a chapter on a competitors vise (Glacern), his thoughts on tooling both good and not so good selections. The series is well worth a few hours of your time to better understand some of the options.