Well, I'm an expert on at least half of your question. I own a 2001 SVS, and of course, I think its the greatest bike in the world for 6 grand (actually got mine for 4 grand. If you're looking for the best reliability and ease of maintainence, buy an SV. A monster is going to need frequent and expensive valve adjustments, is less powerful and its air cooled. The monster is also a little more expensive, but it will likely hold its resale value better than an SV, for no other reason than exclusivity compared to the very popular SV. Popularity is another thing you might want to consider, as there is a huge aftermarket and tons of tech.-advice support out there. Check out www.svrider.com to see the tip of the iceberg.