Howdy winger2b... WELCOME!
My name is Heidi... there are a few of us women out there on the FJR. One thing for sure this is a GREAT bike. Let me also say that it took me quite awhile to get used to her, too.
I am 5'-8" & have somewhere between a 31-32 inseam. When I first got her I didn't feel completely comfortable because I didn't have a lot of foot on the ground. (no bent knees) I just flat footed it but just didn't feel completely secure with this setup.
I solved a lot of this problem with getting some proper riding boots as they added just a bit to my height, got some experience with her & here I am... still riding Big & Silver (an '04). Also, my stock seat has broken in a bit, too. I've had my FJR just under a year now & in September I'll have 5 years riding experience.
I am assuming that you are riding a sporty bike now. A lot of the riding style definitely conveys. There are certain things that you don't do with an over 600 lb sport/touring bike that you can easily do with a 400 lb sport bike... but you'll find out shortly after doing some slow speed maneuvers.
If you haven't rode one yet & don't had any live experience with her you should know that she is very heavy while sitting still.... but the weight disappears once moving. My experience: trying to duck foot her around is especially difficult due to the fact that I don't have a lot of excess leg to ground distance. Also, if she's going down get out of her way 'cause she's going whether you want her to or not.
I've overcome a few of my inseam problems by being very careful how I park. Never park with your front end downhill & nowhere to go. You'll be stopping people that are walking by to push you backward. Hahaha!
Don't know too much about lowering the Feejer. I stayed with stock but I have heard about people doing mods to do so.
Good luck with your quest & remember, as radman says... any mods to suspension increases likelihood of scraping stuff that you'd rather not on spirited rides. It may be better to go with other methods (boots, cutting the seat down/thinning the seat)
Also, as highlander said..."As far as being able to handle the bike, the cornering speed will sneak up on newbies pretty fast. On the Magna when you aproach the corner at 60mph you know it, but the FJR is so smooth and stable you'll be WAY over 60, before you realize it. Contol that right wrist willya ?"
Very true.. take this advice to heart. This bike has A LOT of power... it's a bullet with a seat! But very touring capable, also. I've put over 10,000 miles on mine since purchase. Be oh so careful with that throttle. Easy she goes!
If I can ever offer anything about the bike from a woman's perspective don't hesitate to get in touch... just PM & I'd be glad to help out.
Heidi
Oh, BTW... $10,000? Sounds like a fine price! Be sure to ask about the extended warranty, too. See if they can work you a good deal on that one. 'Tis a good piece of mind.