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I went for the older faired 'fast' looking SV. Not entirely sure what you're trying to sell to the other half exactly. A bike with clip-ons is more likely to kill you? it'll make you go wild with testosterone compared to a naked bike and start punching grannies in the face?
A bike is a bike. Speeding is likely on either. As are the dangers that come with them. 70mph is not gonna be any different on either.
I digress though. I was in the same boat as you. MT07 on finance vs older SV650.
I went for the latter simply because I'm a noob. At this point, I've yet to tap even double digit percentage of the bikes potential.
I learnt on the Gladius and whilst I'm a fan of it cos it's so easy to handle, but I can't stand risers and they have their fair share of faults as well. Internally, it was never a massive change from the SV.
Saying that....in hindsight, If I bought again, I'd either buy the SV again but with way lower mileage and closer to home or a cbr600f.
New bike...no. I want to have fun, not spend weekends looking for possible scratches.
The thing that puts me off the old SV650 is the low bars and style. A fully faired "fast" looking bike will be harder to sell to the other half.
As I'm going to be commuting anything less than EURO3 is a no go I think.
That's why I was thinking the Gladius/SFV650, as it seems to solve the SV650's "problems".