I too am having a big issue with this... I've always been the guy that's saved more for that bit extra. Some of you might remember my thread about the 1299 as a first bike. I honestly do believe I could get onto a 1299, and ride it just fine without killing myself, I'm very responsible and cautious, and don't like taking risks. Realize when I say ride, I mean, riding like a poser, not giving it huge throttle and riding it like a hooligan, I mean riding it like its a cruiser lol.
But I have decided that, I may not even like riding, so either sometime this year or next, depends on how things go, I will get the KTM RC390, I thought I might for the duke 390 because its 500 bucks less and looks less cheap, but the RC has the more aggressive riding style which I might wanna get used to if I ever want a 1299.
Still, realistically, unless a miracle happens, I will not be able to buy either the base or the S model with cash. I would probably put down 5k DP and then finance the rest. 6k is a huge deal when it comes to a bike. Especially when the base here in Canada will likely be 23k+ OTD. I guessed maybe 30k retail OTD for our pricing here.
Its such a tough decision, because I am always that guy who looks back and things, "I shoulda got the better". That said, I'm not rich at all, and buying this bike is more to just get something that I know is gonna make me really happy, rather than a smart financial decision. Either bike will knock me back for the term of the finance, and I may have to make some serious sacrifices, such as taking the bus in the winter time (easy sacrifice to make for the bike of dreams).
What do you guys think, I've got it down like this.
Just as a baseline, in case I can't get good interest or deals, I've set everything fairly high I think. Obviously I could probably get a bit better than this but ya never know.
Base, 24k, 5k down, 60 month, 9% interest. 394.40 a month.
S model, 30k 5k down, 60 month, 9% interest, 518.95 a month
It may not seem like a big deal to some of you, but thats 5 years you're making those payments for, a lot can happen in that amount of time. Sorry for my rambling haha. Cheers guys.