Insurance: I have a VERY VERY clean record....(read no tickets ever and no claims) She has been my insurance agent for 10 years. She said it's all to do with the NC insurance regulations and the "totaled" bike "policy" I am going to shop around on it and see what I find out.
Used Vs. New: I have looked at a couple of used bikes and they have been trashed...I do have one I may look at a second time.
Farkles: Well I pretty much know what I do and don't want/need... I'm versed in that pretty good but here is a short list. Panniers and racks, top box (with brake light) and rack, mono key and rack locks (all Givi), center stand, hand guards, "crash" bars, Taller wind screen with adjustments, low driving lights, GPS, lowering links, either recut the seat or replace, new tank bag, lift handle, extra chain, skid plate....(probably more I forgot)