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Just my two penn'orth .....
Cost of finance plus depreciation over say, 18mths plus servicing, could amount to £3k.
Instead you could buy an older 900 or 1000 with that money.
Furthermore, that bike will hold its value, so most of that will come back when (if) you sell it on and buy an 821 (particularly if you service it yourself).
....by which time there will be cheaper used 821s anyway.
insert multiple smileys here.
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