I have no answer for your speculation question or not to speculate this is down to you and your decision alone. I always liked to speculate to accumalate.
But I do know about CNC Routers so bear with me to find out your knowledge. I have worked and purchased Routers from my first Wadkin Plunger to upgrade to power fed foot, Wadkin CNC a real pain, then we got into CMS Griggio twin table, Reichenbacher Eagle and lately a Homag.
Going with the price you quote and country of origin you seem to be considering a SCM. I take it is a 8x4, how many pods are they giving you and what clamps. Are they supplying a matrix top or you machining your own so are they supplying the machining programme and cutter. The clamps are expensive and can be £5k pair depending on spec or how or what you want to clamp single or double. Your post did not state tooling projection cost, are you benefiting from existing tooling and how much is HKS or you going down the Collete route to suit existing tooling.
You did not mention how much experience you have with this type of machine, my experience is that you only get the best from this machine by thinking out processes of manufacture, jig making designing and wrong tooling prevent best utility of this technology. I did read some mention of the CNC machinery made in your shed variety. These are nothing like what the large industrial as you wish to purchase can deliver in reliability, versatility and down right ease of management. I put this in the same category as kit cars, they can go fast, they can be built in your garage but they are not a Porsche. Sorry industrial machinery has harder life and downtime is not an option as time is money and you need parts of the shelve not specially turned or one offs. That takes us on to the other issue with this technology in industrial settings as they can be too good, and you over load them with hogging/roughing out, shaping, boring, engraving and even sanding. So you lose what you wanted at the start which is quickness and accuracy between batches. You will also quickly run out of tooling heads down this road as well and it slows the machine down through each process or tool change.
As you mention doors to be made is a CNC Spindle like a Martin not an option with a good second hand SET even CNC one. I know it will not allow you to carcase units. I do not know your moulding capacity so are you thinking this will be a one stop machining for door manufacture. Meaning placing in square batten in pod clamp shaping/moulding/tenoning rails, moulding the panels and Moulding stiles. You can C Axis these machines and you can then mortise the parts. I was never in favour of taking the haunches out on my Router and did this by hand or Bandsaw as the tool used in router leaves a round or cuts in to tenon to eliminate this, I never liked the look myself, just me though I see it done.
Without a C Axis add another £20k to budget or 5 Head add another £40/50k, you cannot cut out with square corners, there is a way by drilling each corner but again cuts into inside the cutout line. The C Axis/5 axis just tilts a drill and goes up and down vertically in the corner to square it so you can bead in a square edge. I used this a lot on making door cassettes for Premdor range of doors made from pressed mock paneled interior doors that needed glazed. I made the beads on the CNC as well along with them pre-mitred from HDF. The trick was to to make them from deeper board thickness leaving a vacuum clamp face on the sheet. Then sand them out on my sander they just fell out at the other end then you just denibbed and stapled together, I loaded half sheets to get full top/bottom and sides so each sheet supplied a face of a door, I made 1000's in production by this method.
CNC Routers are great machines and great when they go, a pure pain in the buttocks when they do not. You spend a lot of time developing processes, finish & jigs, time seems to fly. But for repeating quality and precision you will wonder how you did without. Then you start over loading it. But you may well know all this and I am preaching to the experienced, so please excuse me if I am. I have vacuum clamp or sucker cup lifting arm fitted between my Beam and Router, great boon for lifting and is easy even the older workers love it saves your back greatly.
SCM are slow to respond to breakdowns as I experience yearly with my Griggio, Beam and Belt sander, you may be closer so this is less an issue. But ownership and sorting when things go pop is a major concern that is why I changed. I am considering changing machinery again.
