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pdlouche
Off-roading, as well as being fantastic fun, will increase your life expectancy because it's such a good way to learn machine control and dealing with loss of traction. The electronics are nice to have but it's better to have the skill to do what they do. The more skill you get, the less likely you are to freeze when a car tries to t-bone you. If your reactions are slow, the electronics won't save you.
As for a Monster as a first bike, it's easier to ride and it's comfy and cheaper to fix when it falls over, but if it's getting on a bit it will still be a money pit.
How much experience of motorized two wheelers do you have?
P.S. There are airbag jackets now. Budget for one of those too. They're another way of improving your life expectancy.