Can you afford one with a mortgage and family to support?
I have the Silva one in stock ($127.50), but also have
Moscompass on order, maybe arriving this week, definitely by the State Champs - that has the steadiest needle of all. Model 2 is the fastest needle to settle, while model 3 is the steadiest while running (click on Catalog 2010 to view). Will be around $80 each.