I for one am a fan of buying new. I'm in no way "rich" or have money to burn, not even close. I financed my bike with 1.9%, simply because I typically don't have 5k cash to fork over all at once for a toy. Convenience, warranty, peace-of-mind, and service. No haggling over prices or worrying about a safety. When I go to a dealership, I get what I want, how I want it. A lot of people say buy used for your first bike, for many reasons (might crash, might upgrade, might choose a different style, etc). If your heart is set on the Ninja and you prefer the feeling of having something brand new, I say go for it! Just find a better deal. I got my 2015 CBR300RASE out the door for 5k.