First, the 650 will happily haul you around at freeway speeds. For two up riding at freeway speeds you may not like it as much. I'm a few inches shorter than you and about 20 lbs heavier. I ride a 1000, I chose it because I was doing a fair amount of 2 up riding when I bought it. Right now I'm totally a solo rider and the 1000 is a power house. The Vee and Wee (1000, 650) have fairly high center of gravities and as such aren't as stable at low speeds as some other bikes. I went from a cruiser to the Vee and it took me a few hours to get used to. I ride about 16k miles a year.
I used searchtempist.com to scour craigslist for Vee's within 500 miles of me and that worked out well. Spend some time on the board to know what to watch out for and ask a few questions we have some very knowledgeable people here. If you are even slightly mechanically inclined you will have no trouble doing a pre-buy inspection on your own for a used bike....
What do you call "freeway speeds" over there?
My Wee-Strom comfortably does two up and luggage at 130/140kph with enough left for overtaking [remember these things have a 6 speed gearbox, use it. And they run to 10k+ on the tacho, once again- use the rev range they are designed to run in].
The top heavy feeling applies to most taller bikes, these are not cruisers but adventure tourers and are built to that format.
The Wee [and even the Vee] is damned near bullet proof in the reliability stakes.
I've had 17 bikes [the Wee is actually number 16, an old KLR950 is number 17- my "practice" bike for rough dirt trails].
The bike before my 09 Wee-Strom was a BMW R1150GS- a money pit
The Wee is the best all round bike I have ever owned, commuting-day riding, dirt roads and trails plus long distance touring are all done with no effort.
Definitely the bike to have on the top of your list from what you have described as your needs in a bike.