Thank you for all the feedback. It's helped me to refine my thinking.
I'm 95% with V-Tom regarding the farkles I want (though I do like crash bars).
I guess realisticly what I'm trying to figure out is whether to go with Option 1 or Option 3.
I really trust the PO and it's condition. It has a lot of farkles that I like, chief being the fork brace, sargent seat, engine guards, givi adjustable windscreen, and center stand. I also really like that it is after the model change so I don't need to worry about dropping/raising parts of it to address aerodynamics of the pre 12'
has had a dealer inspection but has no service records. It has the top case which I would sometimes use and side luggage which I would rarely use ( I split for nearly half my commute on some days). It has the aftermarket seat which I did but would need to add a center stand, for brace, possibly a madstad, and possibly play with the suspension to address aerodynamics (but again no tools and very little wrenching so I would have to find someone to help me on here or BARF)
Really, I guess I'm trying to decide whether its worth a $2k dollar difference between the 2. My loan can go up to $8k so I can get either, but it is a loan and extending myself less financially is of course better. I realize of course that no one can tell me what will work best but I appreciate you guys offering your thoughts. (Also it is through my credit union so I can finance any private party willing to make the sell at a branch or any dealer in california).
I know I've read forums dealing exactly with what I'm about to ask (even to the price difference) but would love to hear your thoughts on these to specific options and whether it is worth a $2k difference to you.