I wish you luck with the choice and process. Enjoy it.
I started last season and after a month or so looking around, I went with the vstar 950 tourer (used).
I am tall and anything smaller just didn't feel right and I didn't want to out-grow the bike within months. I shared your feeling on an 1100 for safety and insurance. My opinion is 950 is about right, it's a nice mid-range for power and the insurance won't kill you.
Oh and I strongly suggest a safety course for knowledge and savings on ins.
Go get it and enjoy.
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