I bought my 2013 brand new last year. I love it.i personally don't care for the Valk, but to each his own. I do like the full fairing and radio on thF6B, and did care if it has no cruise control. I did change out the stock shield almost immediately, and am considering adding a back rest to the stock seat or a new ultimate seat with a back rest.

as for the used vs new, i would just do the math to see which is best over the long term. Considering the differnce in interst, the new one may actually be close the same price over the term of the loan. But you may be able to buy an extension of the warranty on the used. i am considering that myself