I agree for now 100%..I don't ride as much as I used to and my 2013 F6B Deluxe is custom painted, Mustang seat, Baggershield, Kury grips, Cobra Pipes, new tires, and extra chrome "bling"..rides fine, runs great, paid for, and does what I need it to do...and only has 14,000 miles on the odo....At age 78, I don't need more debt and have no interest in impressing others with a new bike full of "whistles and bells"....Getting old I guess!!