You can get replacement cost of a new vehicle written into your policy when you buy new. It costs more and only lasts for a couple of years. Most bike policies do NOT offer this.
The low COG helps a lot too. Enjoyable rides as long as they are powerful enough, which the new Twin Cams are, barely. I would also take better brakes than the standard fare. I've ridden a lot of Harley's and they are no better or worse than any other model, with a ton of customization...
They are usually jammed between skin and helmet and sting instantly. Or as my friend riding MX with me found out they can be lodged into a nostril and sting repeatedly until you squish it and dig it out. I had one hit me in the neck at the strap and sting me instantly on the way by at 100 kph.
You should do a little research about all the current models from all the manufacturers, including Harley. You don't seem to know about Harley but still call it an upgrade. All new bikes will be an upgrade. A 900 Vulcan will be a big upgrade. New Harley's seem to be good bikes but certainly...
This is also my answer. Did you know that the old 86 VFR, with it spindly 37mm front forks could get enough of a spring action from the flex to skip the front wheel off the pavement if you got aggressive enough doing this? Now that was fun.
I believe with experience anybody has the right to say LIKELY would have survived. You don't need to be a doctor or coroner to have eyes and intelligence. It wasn't a definitive statement.
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