Couldn't really afford to buy my '13 FJR, figured I was taking a long trip and wanted to enjoy the entire thing not just the first 150 miles. Got a good trade in price for my V-Max, pulled the trigger. Was it irresponsible, yes, do I regret it, not one bit. My finances are very tight right now but I will survive this too. Personally I think you could try to see if you could get a good price for your '05 and if you can, pull the trigger, if not, wait. You only get one chance at this life so sometimes you have to worry about tomorrow when tomorrow comes, if things get too bad you'll have to sell things to get by anyway, so you may as well enjoy riding a brand new bright shiny red FJR.