Don't ever buy a new HD man. Its not worth it. You can find a new used one with Low Mi for cheep. We live in CA man. There are all the bikes that have been bought by guys who don't know how to ride and don't take to it. So the bike sits for 4 years and they sell it with 5,000 mi on it. Right now in the bay HDs are selling for cheep if you look hard. Look around Chico as well. The econ is sooo bad there right now people are selling everything. I saw a 2005 1200XL with hard bags, faring, large after market gas tank, new carb and pipes. Ect ect. sell for 4500. The bike had less than 10,000mi on the motor.
I don't really like any harleys at all, except for the xr1200. I really doubt I would ever buy one. just wanted to ride it. it's still too big and heavy for me. I like smaller bikes. my cb750 is plenty big enough for me, anything bigger is kinda overkill and starts to be more about ego that function.
as far as a new bike the whole idea was to get financing, and that I've never had anything new before. but a couple years old is still new in my book.
I'm putting most of my 'to blow' money into my 750 rebuild. but I could afford a monthly payment kind of thing. my truck is payed for and I just paid off my dentist and am almost done paying my credit cards.
so I was considering financing a newish bike if possible. still kinda like that Kawi. the triumph street triple is cool in the smaller size. duc hypermo in smaller size or monster, too. but every jerk off in SF has a monster. that and the sv650 are the 2 most common bikes here. want somthin dif. wish honda made somthin cool for the US. don't want a bunch of plastic(cbr). and I already have a real classic so I don't want anything too retro.
cb750 will not be done for another 3-6 mos.
by the way your 750f in the avatar looks killer. like the seat. kinda trackerish.