I personally thought an FJR was too much bike for me, until I rode one. I've got 15+ years on a motorcycle with no tickets or accidents on my record. After my first test ride, I realized what I'd been missing. I was trying to make a 600cc Ninja an FJR and that wasn't going to happen. Now at 31 I can afford the insurance. $300 a year for full coverage. Woohoo!