For the insurance I'd just give the agent a call and see what the difference is. Could be quite large and make the decision for you. Have VINs from, say, Ebay ready so they can quickly ID the bike. I'm a closet ducatista so my choice would be obvious but I really don't know about the maint between the two. I do know that Duc's tend to need valve clearances set more often than the Big Four, but that's about it.
Dragging knee is for the track, and dragging tail is for the lot. --Kane Friesen
When you're in a car, you're watching a movie; when you're on a bike, you're in the movie. --Robert Pirsig
Identity theft is not Fun