John,
Welcome from Northumberland, England.
What's a problem?
You could buy a new bike that proves unreliable or is subject to recalls, you could buy a ST13 that goes
the next day. The ST could also run like a Swiss watch for the next ten years.
If you do buy the ST you will have to open the tool case from time to time on routine maintenance, the dealers are probably going to be clueless and disinterested in working on a 21 year old bike.
If you can operate a ratchet and don't mind devoting some time to general care you should be OK.
Check the service records, the bike should have had plenty of fluid changes if it's been looked after correctly with the big issue normally being brake fluid neglect. Read up on the SMC on here before you commit.
Good luck.
Upt.