[Duc_L_over_V]

My home cars and boat are all with State Farm but they really dont want to touch a motorcycle.

Huh?

State Farm is probably the single most popular choice on this forum.

Get your 999. There's nothing wrong with them aside from the stupid-looking mirrors and those are easy to take off.

 

[Duc_L_over_V]

These bikes are very easy work on compared to their Japanese counterparts and honestly, anyone willing to turn a wrench, should be able to do basic stuff like check valve clearness and replace belts. Those are the only two major maintenance things which will happen that save you money if YOU can do them.

With you most of the way... unfortunately many riders aren't going to be able to do those two things without screwing it up, and that gets expensive/dangerous. Another thing to consider is that by the time you buy feeler gauges, a good shim kit, the timing holder doohickey, etc. you're already close to the cost of a dealer valve service. It really only pays if off if you do it at least twice or have a buddy with all the supplies.