I grew up with toys and was under a lot of pressure to get one from family and since I live in the city. But I have wanted a black mini for 20 years and I found a breeder who's been breeding black minis for longer than I've been alive. I waited this long to get a dog, so I waited for exactly what I wanted and it was totally worth it.
Guess it comes down to how well you know what you want. I can say that my mini is much more high energy than the toys I grew up with. MUCH. I've grown into it and now am grateful for the push he gives me to get off my butt and MOVE. Lost seven pounds the first 3 weeks I had him. also underestimated the height (see my thread on having to put him in cargo when flying, also a disappointment).
But when I see him outrunnign nearly every dog at the dog park, jumping so high, and being able to hold his own walking with me on the mean streets of SF, head held high, it's totally, totally worth it. I was fearful a toy would be stepped on walking to work and that has turned out to be a legit fear, some people don't even see Fozzie!
I have my sights on a silver mini or a black standard once Fozzie's 2 years old, depending on whether I leave the city or just move to a bigger place.
That said, there's nothing like a sweet toy on your lap, any time. I just loves 'em all!