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I'm 29 but the Irish insurance industry is our best joke since Paddy Englishman, Paddy Irishman, Paddy Scotsman...
Have to admit the idea of a big torquey sled kind of appeals to me too, it's mostly just going to be used for sunny Sunday coffee spins anyway, I have mountain bikes sating my adrenaline quotient and the roads and drivers here are even worse than the UK!
Nahguavkire
How old are you? I'm guessing you're not based in the UK if the price is in € but I was surprised at how cheap insurance is as a freshly qualified rider...