The answer to that is age, driving record, and vehicle type/year. Own/rent home, student/professional, and use for work/pleasure are peripheral factors, but you already covered the biggies. If you want some more advice that you won't listen to, here it is: Take that 600 a month and put that into a savings account for a year, make it so you can't easily access the money. In 12 months you'll have $7200, which is more than enough to buy a bike that "stands out" like a RC51, VFR, or something. Since you are paying cash, you don't have to have full coverage and won't get as anally raped for insurance. Ride the shit out of the Katana, get to know motorcycling a little more than 3 months, and you'll have a new appreciation and understanding for when you do upgrade to something else.