I had some down time, and did go back a re-read the past posts. Based on the past posts, I still go back to three things:
- air filter. You didn't want to mess with it because the prior owner said it was a recent replacement. I've personally had experience (and others have, too) with ebay filters, claiming to be Honda OEM, that are too restrictive - they are crap - and they can cause what you've experienced. A Honda filter (from a dealer) I would trust, or a K&N. I went the K&N route.
- clogged mufflers/baffles
- timing not advancing fully.
All three items you can address personally.
I'd hate to see you go, and give up on your ride. You mentioned reliability - what you have now should be extremely reliable. You're only complaint seems to be your gas mileage.