Thanks for all the responses, guys. OK, well, I guess my options are to go 16x20 vacuum, and try to make it quiet, after finding one on the cheap; or going no larger than 11x14 and a contact frame should be ok, most of the time.
Going 11x14 non-vacuum, would allow a smaller buy-in, and I suppose if there is any merit in my output, in say a year or three, than any money I make could go towards a larger setup (trays, light source, vacuum frame, etc.) and in fact I could go even bigger than 16x20.
OTOH, I come from a painting background, and 'bigger is better' to me; indeed if I could approach Sally Mann sizes, I'd be happy. Point being, if I go 11x14 there will always be that side of me that won't be happy, because I like bigger.
Decisions, decisions.
Thanks for all the replies, I'll have to think hard on this one.
Shawn