Honestly? If the goal is to pay off some debt and downsize and I were you and your preferences, I would sell all the modelers.
You've got a pedalboard that will do everything you want, not just need, in a way that you need to do it. Would the Fractal give some more options/flavors? Sure. But that's always true. Flipping a QC, Helix and FC-12 for an FM9 is not much of a downsize and is not gonna put much of a dent in a credit card balance (assuming the credit card balance is high enough to have partly inspired the need to downsize).