Hi Cathy,
You may already have found that you are getting more information than you expected. Embrace that fact and learn as much as you can.
To your specific questions, I have personally never heard anything bad about the Black Mountain dulcimers, but I have often heard people sing the praises of TK O'Brien and McSpadden as well as other builders.
As you probably know, astandard dulcimer usually has avibrating string length (VSL)of 25-29 inches. Dulcimers that are shorter than that are usually tuned higher, either to a fourth or fifth above in the keys of G or A or a full octave above to a high D. Dulcimers such as the McSpadden Ginger or Ron Ewing's baritone dulcimette, for example, are usually tuned to G or A. If you want to play with your husband or other at a dulcimer jam or workshop, you won't really be able to do so. You may want to visit the group here I started a while back called Little Dulcimers, and in particular right now you may want to look at the list of little dulcimer makers that I am compiling there. That list indicates the VSL and the intended key of the dulcimers. You will notice that only two makers (Mike Clemmer and Folkroots) listed thereregularly makedulcimers with VSLs less than 25" that are intended to be played in the same key as standard dulcimers.
I point this out because a couple of other people have recommended little dulcimers to you and you should be aware that most of them are intended to be played in a different key or a different octave than a standard dulcimer. However, your initial question is about standard dulcimers with a 26" VSL and you seem to be wondering whether your less-than-professional playing deserves a dulcimer nicer than the cheaper ones out there.
To that question I say yes. You do not need to spend a thousand dollars, but if you can afford $300 or a bit more you can get a really nice dulcimer. And some makers such as David "Harpmaker" Lynch (also a member here) offer really nice student models even less expensive than that. LIke all good luthiers, David will work with you and make sure you get a dulcimer sized and priced just for you. Get a dulcimer that encourages you to play and facilitates your improvement. If you get a dulcimer with inaccurate intonation or buzzing strings or whatever, you will not want to play it and will either give up or have to buy another dulcimer soon. Get a dulcimer worthy of the player you hope to become rather than the one who is just beginning now.