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lynx
I appreciate the input everyone has put my way. A few key points.
First, i live in a very spacious place. Middle of the Midwest in the USA. It's a nice place and very pleasant. No one is going to steal my bike. I have a garage to park it in that is attached to my house. It locks. I live on the end of a cul de sac. I've lived in LA, Atlanta, Cleveland, DC and would worry about theft there, but here much less so.
Insurance. Diddly. I'm 40 years old, haven't been in a wreck or had a ticket in about two decades. I couldn't care enough to even ask.
As for the inherent risk to dropping the bike or otherwise, I've accepted that risk. In fact the only risk i'm really putting a lot of thought into is that to my own health and safety.
Finally, i want something nice. there are used options availble at that shop also (i.e. s1000rr (no thanks), street triple (maybe), a couple honda naked (i forget which), an MT-10 (too much), etc. When i gop there to write the check i'll see whats available and weigh my options.
i really appreciate this discussion though.