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yea you could definately afford that ducati, although check out what they offer for a warantee because parts and mad expensive for them. Also if you are mechanically inclined, know what you're looking at and can work on them yourself you can save a lot of dough goin used. If not though definately try to find a new bike with a good warantee at a nice dealer. the monster would be super fun for you, personally I dont really like cruisers but a big crotch rocket is a lethal weapon if you dont know what's up. have you ridden motorcycles before?