Damn you guys... I figured this being a bike forum you would sway me the other way... I can pay it cash no problem and still have money for a down payment on a houset. This year started out on the wrong foot for me. I sold two bikes in spring and then put all my efforts on getting my elbow fixed. Worst year to have done that with the summer we had (yes I feel cheated). I went to the dealership today with cash in pocket, my truck, and tie downs. I passed on the deal. Everything you guys said I thought before picking it up. In a way I sorta wanted to test the soon to be Mrs. She gave me all the green lights, and I think she was supprised I passed on the deal. She now wants me to buy a new daily driver because she's tired of my POS s10 breaking down every other month.