Who ever used the word "toy" about a 124G? I thought they were widely acknowledged to be about the best TLRs going that aren't Rolleis. The taking lens should be pretty similar to the Tessar/Xenar on a 'cord or a T. If you can score a Planar/Xenotar Rolleiflex at a good price, by all means go for it, but I don't think you should expect a meaningful optical upgrade from the other models.