>> As far as accessories, I’m told that 90% of indexers are sitting idle
I have one of those idle indexers but I wouldn't have changed my order if I did it again today. In order to use an indexer, the controller needs to be configured with an extra axis. If you decide at some point in the future that you do want an indexer, it's a lot more complicated to add it rather than having it in the machine to start with. Of course, it all depends on your budget. For me, just convincing my wife (and business partner) that a SB was something to buy was the biggest thing, we had the budget to buy it. Convincing her later to upgrade it might have been more difficult than doing it all at once. That for me was the clincher. I did balk on the tool changer. Sometimes I regret it, other times I feel it would have been pointless. I am a pretty good tool changer after all.
I would say the most important upgrade I did was the 12" Z. It's not that much up front but the end result is a much beefier machine with a lot more capability. If you can only afford one upgrade, that would be the one I'd go for.
ShopBot Details:
2013 PRS 96x60x12 (Centroid upgrade)
4hp Spindle
12" indexer
Aspire
Rhino
Fusion 360
Ferrari 360
Prusa MK3S+
Prusa XL multi-tool