magnetic is better. mas mahirap resistance ng roller. para kang tumatakbo may posas sa paa. hard on the joints too.

although the heart rate monitor is an extra, get one which is motorized magnetic. yung parang sa mga gym. or else, di mo rin yan gagamitin, sayang lang pera.

sa heart rate monitor, you can just get one na nasa watch (parang suunto or polar or timex), mas accurate.

with regards to your query, i think dahil 7k lang ang price nyan, mukhang manual roller yung nakita mo sa toby's.

ngayon kung talagang 7k lang budget mo, my advise is for you to just get a stationary bike....more friendly on your knees.