Paid cash for the ST1100. I really wanted a ST1300 but could not afford cash for it. So here I is, prefectly happy with the ST11.
I bought a bike last year, VTX 1300C and financed it. I have felt guilty ever since and do not plan on doing that again. Since the economic crunch we have been strapped. We had just opened our 3rd store when the bottom fell out and sales dropped hence the guilt over something that is now a full blown toy. I am a frugal person and did a lot of work to the X on the cheap. BOught and sold parts and made enough to put a fat tire kit and tons of chrome without hitting the family budget. Since I do all the work the labor was free...but still that nagging guilt.
So yes it is paid for, no it is not exactly what I wanted, but yes I am happy with it. I do ride most days as my daily travel takes me 140 miles per day, so I do recoup some of the loss, I refuse to say investment as a bike is never a investment.