THanks Matt Rain, I knew i was forgetting about a bike, the new Kawi 800 looks flippin awesome as does the FZ-07, lots of members recommending them can't be a coincidence. I plan on trying out all of the above as soon as i can in the spring. The Suzuki seems to be overly expensice when you consider its competition, it's about the same as a Triumph which i have to say i prefer the look of.
The MV Agusta 800 is about 12,500$ up at MotorSports World in Ottawa, so about the same as the Ducati Monster 821. about a grand less if i where to get the 675.
Thanks for all the posts everyone, I have lots to consider and a good few months to think about it and gain some more information and compare all the variables, looks like i'm gonna need to make an Excel chart.
The cost of the bike doesn't bother me as much as the insurance does. If it is a bike I absolutely love, then i have no problem spending up to 13,000$ OTD for it.
I think in the end it will be insurance that will be the deciding factor.