This is where the difference comes, cost wise the difference between HD20 and other models would be over 50k, that is where you need to take a call , what is high on your priority list. Also usually if the product works fine out of the box for the first 15 to 20 hours, you will not face any issues. When i was planning to buy HD20 locally it was costing above 1 lakh, I got the same at half the price as i had a friend coming down from US.
So it depends on individual to individual what approach he or she wants to take.