I have a year under my belt. I don't ride stupid. Commuter/ pleasure rider. No expert, but confident enough to have the basic skills and possibly upgrade later this year (hopefully). Was looking at the naked bikes. SV650 caught my eye. Sweet looking bike. Ducati Monster 620 looks cool too. I have a thing for the dual exhaust; I like symmetry. Both are similar in engine size. Don't know how much the Ducati goes for. I know the SV650 is around $5900. I heard reports the Ducati is $1K more than that. Ebay doesn't have any 620's so I can't compare used prices. Even a grand more is only $20 difference over 5 years or even 4 years. I wouldn't be modding either really. Maybe a fender elim. kit, maybe an aftermarket can. Nothing more. Insurance for the SV650 was quoted as being $425 a year. Which is actually half of that because of the six month riding season, so it is only $212.50 per season. I have my policy in suspension now so I don't pay premiums now. Don't know about the Monster 620 insurance, haven't called yet. I have State Farm, so I don't think it would be much more if only the same, they go by theft rate and cc's only. I have only seen one Ducati up here. Your thought's?