Buy the mill from your family member. Keep in mind that part of the reason you're not finding much on the used market for small mills is that EVERYONE wants a small mill and they either go quickly or they are sold before the current owner knows he wants to sell it.
That said, I have a micro-mill as I said and I keep it in my main shop for more precise drillpress duties and the occasional small, light mill job that I don't want to wrestle the knee mill to do.
W/R/T buying used, be careful and read the small print. many auctions require you to use their riggers OR to hire riggers with huge insurance and such. All of a sudden, your inexpensive mill got VERY expensive to move!
Next, with used, you really don't know what you have until it's home and you've had time to tear into it. If you do find a major problem, you typically have no recourse. With a new machine, there is hopefully a vendor that will back up their product, if nothing else, with repair parts-this is also handy for newbies. I know I broke a lot when starting out. In spite of having training and having worked as a machinist, I do things differently at home and have completely different constraints at home-mainly time and these sometimes lead to taking shortcuts or pushing harder than one would in a commercial environment.
Buy the mill from your family member, buy a handfull of mills (carbide only, it took me many years to learn this), a clamp set (I kick myself for buying the vise as I use it so rarely and thought I'd never use the toe-clamps and they get used every day!) and start making chips.
W/R/T AR lowers, I know I catch Hell for this here, but once I realized what they are supposed to look like, I only use the jig as a rough guide for my lay-out and I lay them out using a surface plate, height gauge, a 1/4" drill rod with a point on it and have had much better success than with the jig.
Measure twice, go slow