Congratulations, getting ready for its arrival should be good to keep your mind busy. Renting a forklift shouldn't be an issue, I don't think most rental companies care if you know how to operate a piece of equipment.
In front of the door seems like a good spot for it, and it gives you access to the backside by opening the door.
You can make an extension cord for the welder, I just made a 20 footer for mine, I think it was about $60 in parts and materials for a 30A circuit.
A second lathe is useful. For one thing smaller lathers have smaller tools that weigh less so it is less work to change things up. I still use my Sherline for a lot of stuff even though I have a bigger lathe available, because it works really well for small projects. Two lathes can also be handy if you have multiple parts that require some special set up. You can do some of the work on one, and then move to the other lathe to do the other part saving you set up time compared to only having one lathe.
As far as the interest rate, 22% is pretty bad, about $220 a month in interest on $12000. Realistically people blow that much all the time on less cool stuff. A mocha and a blueberry muffin at Starbucks every morning going to work is about $150 /mo and gazillions of people do that without a second thought. I've got 2 storage units of my mothers stuff that I'm paying almost $200 a month for. She passed away almost 2 years ago so that is almost $4000 basically for nothing, I know there is probably less than a truck load of stuff my brother or I might actually want. I really need to get those things emptied out.
This lathe, right now might not be your wisest choice, but fun things often are not the most prudent. We need fun things in our lives so we don't go crazy.