I live an hour south of Brissie.
Have you been out and sat on everything, or are you just going off looks / size at this stage?
My fiance and I went and sat on EVERYTHING when we bought our first bike, a ZZR 250. We went to every bike shop we saw and sat on every different model 250 we could find. We liked the look of the CBR but hated the riding position. The ZZR is a bit more upright and comfortable, especially for a noob. It also has a tad more hp than the VTR
We've been two-up on it many times, up Tamborine and also to Maleny, so it's got no problem handling a bit of weight (we total 135kg).
When I spoke with my insurance company (Suncorp) I was told that it cost no more to insure a fully-faired bike than it would for a naked. All of the plastics were part of the coverage too!
Ours is a '99 model. We paid $5000, but it only had 11,000k's on it and was immaculate. Also, they haven't changed since they started making them, so spares are a breeze.
Anyway, I reckon it's a great little bike with great looks, but I'm a bit biased. Where abouts in Brisbane are you? I live in Beaudesert and work in Darra. If you're not far, I'd be happy to bring it to you so can have a good look at it.
Send me a PM.