Well, im 22, got first bike in June (CBR125), pay $202/mo...How much of a difference is insurance when it comes to a 500cc vs 650cc for you, OP?
I'm wondering if it would make sense to jump straight onto a 650cc bike as it is unlikely you will outgrow in soon.
Wouldn't wanna go more than $300/mo realistically.
I remember a 250 vs 125 added about $250 per year.
Re: SV650, I heard that they started to shoot up in insurance this year from some people. Maybe I can get lucky with it though.
Naked's are kind of the way I wanna go. I plan on getting a new bike in the spring and staying on it for at least 3 or 4 years. So something that I can grow with and have fun on is pretty important. But on a budget that makes things hard. though I guess for $5,000 I can still find most of the options you are all mentioning. Guess 500 is a trade off: being mad reliable, and mad un-fun. Hmm.
The new CB650r is incredibly good looking, but $10g's for a bike I park in a shed is not the brightest idea I'd imagine.