Ron,
You've gotten a good sampling of wisdom and opinion on these question. One thing I wanted to add is that if you're attracted by that "shop tuned" thing on the Savoy Center web site I suggest that you call the shop and ask about it specifically before you order. I could be wrong, but I think the Savoy Center's Hohners are plain stock out of the box.
I bought my H-114 from Marc Savoy a little over a year ago. Maybe in a year I'll get something better...and if I had it to do over again I'd consider the Cajun King...but as far as I'm concerned the 114 is fine to learn on. How much you play and what you put into it are more important than the accordion you start out with.
Good luck and enjoy!
I began playing on an Ariette, graduated to an Acadian, started a band, and have no regrets about that original purchase. Especially in light of the following.
My wife has recently picked up my C Acadian and is learning one of her favorites: Danse de Mardi Gras. It helps her tremendously, especially with timing and rhythm, when I pick up the Ariette and play along with her.