Ride one and then decide, I traded in my 15 F6B on a new 2019 trike and love it. I got the DCT model and while that takes some getting use to its awesome and I'm glad I got the auto. Going in debt is just a different frame of mind, my trike was 50k so it came with a lot of debt but it's only money and you cant take it with you and if you leave it behind people fight over it. I work hard and spend hard so I can enjoy my playtime.