Honestly, a modern 500 or 650cc class bike is all the bike you need. Enough power to not be a speed bump on the highway, but small enough to be light and still get decent mileage. Insurance is also waaaaaaaaaay cheaper.I don't think I'll ever ride a bigger bike. I think the largest I would go is a rebel 500 or a shadow. I wouldn't trust myself on a street bike, and you all know that I hate tall bikes
1 year of full coverage (with additional under insured and uninsured coverage) on my VFR1200, a now 13 year old bike, is over 800 a year for me, a 40 year old man with a squeaky clean record.
I priced the same coverage on the new.Honda CL500 Scrambler (off road rebel basically) and it was about half.