Let me start out by saying a few things. ***Warning long read but I'm relatively young and never had any role models when it comes to making good financial decisions or motorcycle ownership. I need your help**** 1. I am by no means rich but I can afford responsible motorcycle ownership but I'm not experienced and I want to make the best financial and the best decision that protects my physical safety. 2. I am not capable of working on my own motorcycles 3. I love the RS, it's literally the perfect single motorcycle to do it all (on pavement) solution that checks all the boxes for me with the exception of some leg room issues (being 6'5" with a 36" inseam) 4. I can't help but want more power. 5. I can't help but want more leg room. I dont believe those two things are available together except on the XR or Multistrada (or maybe the new Tiger 1200) but I really really don't want to deal with chain drive again as the motorcycle is my only vehicle. The combination of my lack of understanding of how to adjust and the tediousness (OCD) of constantly cleaning a chain drive, makes me a bad chain driven motorcycle owner.....but I really really love the XR and Multistrada. All that being said.... This is my first motorcycle where I am tasked with the financial decision of keeping it long term and I have absolutely no clue what to expect after the warranty runs out. Let's ignore the fact that my legs day dream constantly of owning a XR, Pikes Peak Multistrada, or GSA... and my genitals yearn for the KTM Super Duke R... What should I expect if I choose to keep the RS (or any motorcycle) past manufacturers warranty period? I have had the RS 15 months and I'm at 16k miles. So I'll easily get to 36K miles by the end of 36 months and fully utilize the warranty period. It's my understanding that I should at the very least expect to replace the entire suspension at 36k miles and from what I read that's a hefty ~$3k (including labor) investment. That in my mind and due to my limited resources would necessitate committing to the bike at least until 72K miles which would be 6 years old on my current path. And what then? What other mechanical issues are likely to come up (outside of regular maintenance) out of warranty between 36k-72k miles all while making a $372 a month payment (including GPS and side cases [until November 2021 or roughly 60K miles]) Is it more likely that I will completely fuck myself over financially (between depreciation and not having a warranty) by committing to have a six year old Motorcycle with 72K miles? I am at a place financially where I could theoretically pay off or nearly pay off the balance by the time the warranty expires (but I need to make the decision to get on that track soon) and trade in value would be around $8-$10k in November 2019. I could use that $8-$10k trade in as a hefty down payment towards a new bike with a fresh warranty. I was thinking the idea of staying on track to continuously finance motorcycles for the duration of their manufacturers warranty or manufacturers extended warranty with a huge down payment from the the trade in value of a 3 year old motorcycle could be a solid financial decision. Then I'm stuck perpetually with a motorcycle payment, and hell...maybe it would be better to keep it to 72k+ miles financially? Maybe I'm underestimating the life of motorcycle parts? I just can not figure out how to base my decision and find the "breaking point". A separate concern I briefly mentioned at the beginning of this long diatribe is my own physical safety. I am concerned as the bike ages at the increased risk of mechanical failure while riding aggressively causing me to wreck for any number of possible reasons. My wife hates the idea of continuously having a motorcycle payment and (on some level I agree but have a sneaking suspicion that while it's true for cars it may not be the case with motorcycles) thinks it would be better to keep a motorcycle long term. I've countered that labor and parts (especially the inevitable suspension work) coupled with depreciation makes a 3 year pay off-trade in routine a more secure financial decision but we are young (35 and 27) and don't know enough about motorcycles to make the right decision without input from you old farts! Any tips or advice would be greatly appreciated!