OP - a few questions....and a tip
when asking for advice state your weight and height, age and intended use as it makes a difference.
What's your intended use for the machine and
why specifically the Vstar.?
Insurance will be higher on the 1100 as it goes by cc and if you are young you will get hammered.
I assume since you are asking in this thread you are looking at touring??
If it's in town commuting and just bopping around the 650 will be better.
All my riding life I've been more comfortable with the mid range bikes and most can do just fine against larger displacement if you are willing to run the RPMs into the power range and keep them there rather than rely on the torque of the bigger motor.
Low speed handling will be easier on the 650 and it's where most newbies have trouble and taking your M on a big bike ( either of them ) will be a bear - you may want to use theirs.
But if you answer the age, weight, height and use question you can get better advice.
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