Have never borrowed money to buy a motorcycle. Have two now and have gone through eleven or twelve others. Doesn't mean I have never been tempted to borrow money and get something better. Just never considered this to be anything other than discretionary - except for the almost new but dissabled 69 Ironhead Sportster that I just HAD to have (and repair) to make it back and forth to college. Nothing else made sense to me at the time Still, I worked to pay cash for that one too.
I put a little over 50% down and plan to pay the bike off within the next 12 months. I went with HD 60 month financing, simple interest, no penalty for early payoff.