I too love my VFR, it turned 79,000 miles this morning. I also have ridden a Aprillia Futura and liked it alot. The hard bags are nice but not necessary. I do not like the BMW 1150RT as the transmission sucks. The bike feels very soft on the suspension and somewhat vague in handling compared to a VFR or Futura. I too like the Triumph ST alot. They have great character and performance.
If it were my money I would get another VFR followed in order by: Triumph, and Futura . On a tight budget I would consider a Suzuki Bandit 1200S and maybe even the new 919 Honda with an after market windscreen.