I thought the M109 was the men's version? Saw a white one with blue stripes once, gorgeous bike and sounded mean.I had the men’s version for a week, the M90. I just took delivery of a bike for my wife, was looking for a cruiser to try, Newmarket Suzuki said take it for a few days so I did. Nice bike, I ended up with an M50, it was a lot less money and seemed to be similar in performance.
When the insurance paid for my replacement helmet, they told me that they would depreciate the value by 10%/year. My helmet was 5 weeks short of 2 years old with the receipt to prove it at date of loss and they took the 20%. I brought it up and the adjuster said it was close enough . I wasn't going to argue over 50-60 bucks considering they paid me fairly for the bike but yeah, they save where they can.The sad world of depreciation. You could have a brand new in the box item that gotten stolen three years after the purchase and it gets depreciated. "But I never used it" cries the victim. "That's your fault" replies the insurer.