Chrysbyrd. Full disclosure. We are an OkiData dealer as well as 17 other graphic product lines. I agree the OkiData 931e is a great printer choice for your application. There are many on the secondary market that would work just fine as your startup machine. The Oki is a self service printer which means the operator can replace the drums, belt, fuser, waste toner and toner. This save on down time and service calls. The engine is very robust and can easily handle your 10,000 per month with room to grow. The 931e also has a near straight through paper path, which definitely helps with heavier stocks. The MP tray can handle up to 360gsm but the duplex unit cannot. This is not a bad thing. By running the first side through the machine first and then running the job back through the MP tray to print on the back gives you total control of front to back registration. If the duplex job file was not created with proper front to back registration, you will have problems fixing the registration. On short runs, speed is not critical, but on longer runs, the two step process is usually faster. The down size of the Oki 931e is supply cost, specifically toner. Heavy coverage can get expensive, but the low initial cost and no click charges can give you an overall lower cost of ownership than an expensive copier under a service contract that is capable of the 360gsm. When you reach a greater volume, then you can explore copier options or maybe multiple Oki 931es. On the subject of full bleed. No. You will need to print on a larger sheet and cut down to the finished, full bleed size. We have ways to cheat in the offset world, and the sides with a digital engine, but not the lead and trailing edges. Not worth the hassle or time. The 931e can print 13 x 47+. Gang up your cards the best you can. As far as cutting. If you have a large number of short run, varied size cards, the 945 Duplo could be an option. But used ones can be very expensive to repair. (rollers and blades) You will need a guillotine cutter, even if you have a Duplo or similar slit, cut crease machine. Buy a used guillotine cutter and grow into a slit, cut creaser once your volume reaches a point where you can save on the labor cost by going to a slit, cut, crease. 10,000 a month is not enough, in my opinion. You will still need a guillotine cutter. Sorry for being so long winded. Good luck.