I think I have the usual case of buyers remorse. Few years back I rode an r6 for close to 2 years but it got to the point where I only rode it once or twice a month so I sold it. Now recently I've purchased an '05 GSX-R600. I havent been riding it THAT much, i've had it for a little over a week and i've got 160 miles on it. Bike was $8,499 + TTL + $999 for a 3yr full service warranty/maintenance contract which covers everything and unlimited oil changes.
I did put $2,000 down. Bad thing is, since I'm 20 and own a $35k car and in the last 6mo just bought a $160k house, my credit is extended pretty well. Only thing I qualified for was a 17.49% interest rate over 72mo. YIKES! It comes out to a little over $200/mo for 72mo.
I looked into insurance and most were quoting me $13,000/yr!!! Good thing my car insurance company (state farm) got it for me for $99/mo. So I am basically paying around $300/mo to have this bike and I am starting to have some buyers remorse. That $300/mo could be going to so many other things. I can afford the $300/mo but there are other things (paying off bills and such) that it could be going towards. Also, I just have not gotten used to riding again, I still feel fearful everytime I ride (which I know is kind of a good thing because I am more careful).
I have so much to lose if something was to happen to me and it would screw over a lot of people. I am getting married in march, I have a lot of clients that depend on me.... *sigh* ... When this whole hurricane thing happend and the gas prices went up, it gave me the extra push to buy it. I've been wanting one again for awhile but never could justify the cost or convince my fiance that I wouldn't kill myself on it. When gas prices went up she said it was okay if I wanted one and I tried to justify the cost by how much i've save on gas as well as the fact that my car is close to two years old and already has 40,000mi on it. I've only got another 10,000 miles of the full coverage warranty on it, I was hoping to save that as long as possible.
Now that I have the bike, I see how hard it is to actually use the bike as a vehicle and a sport hobby. I can't really ride it to work because traffic is horrible in the morning and I don't exactly want to wear full gear into work (I always wear full gear). I can't go run errands with it because for one, I don't exactly have anything I can carry things in. Also - I'd look like an astronaut!
Anyways - there is my rant and rave. I am not sure what I am expecting you guys to do for me, but I just thought I'd post and see if anyone has any advice.