Define off-road. Here in New Hampshire we have numerous Class 5 and 6 roads that can be ridden on nearly any bike including my SV650. But depending on the time of year and weather, many are impassable with anything short of a true dual-sport (KLR, XR, DR). I have friends with BMW GS and F models who have gotten themselves stuck because they bought the hype about 'adventure touring'. These giant machines are to motorcycles like Lincoln Navigators are to 4-wheelers. Yes, by definition they can go off-road, but do so at your own risk. With the price of real dual-sports being so low and the insurance being equally low, I can't understand why anyone would not own one.
I own a KLR250, SV650, and MAgna 750 and my insurance is <300 a year with full coverage on the SV and Magna.
I own a KLR250, SV650, and MAgna 750 and my insurance is <300 a year with full coverage on the SV and Magna.