I think we all know which one I think you should get But bad luck on the write off - glad you're ok I know, I know. The Guzzi is top of the list at the moment, but I really liked my CBR250R and the CBR300R that I'm looking at is less than a year old, still has another year at least of warranty left on it, is quite a bit pokier than the 250, will be much cheaper on fuel than the Guzzi, and has ABS. I like the Guzzi because I think it looks sexy, is shaft drive, very easy to self service and is pretty light for the type of bike it is. The ER6-F is a good solid all rounder, that's quicker than the Guzzi, but still has decent service intervals, and I like the way that it handles. I'm still undecided though.