True on the insurance! I don't know how my insurance company classifies my Buell but I only pay $6 a month! I will not start to question why!
And honestly, power wise I find myself missing the top end rush of a liter bike from time to time but the amount of fun I have on my XB12r below 100mph makes up for it.
The riding position is totally personal. What I mean is, I've ridden my bike from the GRENC area to Buffalo NY twice in it's lifetime. I didn't mind laying on the tank, being tucked in and what not. I kind of prefer that position over sitting upright. My legs did feel cramped though. But I'm sure you're not looking to tour or anything on your xb. And if you are, mine has a stock seating position. You can change the seat, bars, rear sets and pegs if you want to customize the seating position for you. I've had my bike almost 10 years, bought it brand new, in the 42k I've put on it I've never really given changing the seating position a thought.
Also just a side note for the heck of it. There's an old mom and pop honda dealer close to me that has a survivor 2003 rc51. It's the Nicky Hayden addition. TOTALY stock with less than 50miles. They want $6500 for it last time I talked to them. Sure they'd take 6. Kinda wish I had that kind of extra dough laying around!
Good luck with your hunt!