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new. Don't inherit another person's abuse. And you know these bikes are abused. I wheelie mine everyday, race it around town like a devil. You're gonna spend money, anyway, to modify it. The 2005 model had a couple of problems and you don't know if the previous person had it fixed (mushy breaks, less than perfect ECU). Get the new one, pay more towards it every month until you get the value down or just below to the low Kelly Blue Book value so if you need to sell it you can just walk away and pay off the loan.
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