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My advice to you is if you think you are not financially ready to take it on then don't, wait until you are sure. With the state of our economy and the likelihood that fuel will be rising in the near future it would be prudent to hold off until you are positive.
No sense in causing yourself unnecessary stress, then it would be hard to enjoy the vehicle if you were constantly worrying about paying your bills.
PS= and get what you want the first time! A few summers ago I purchased a Honda VTX 1300C after debating whether or not to get the 1800, and took it back 3 months later and traded it in for the 1800, I should have gotten the bigger bike to begin with.
I lost about 900 beans, but if you get an LS or LT and then go back and get a SS you will lose a pretty good chunk of change.
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