1) it should get you something small-midsize depending on factors as km's, general wear, service history etc
2) We tend to think they are are terrible and probably compared to highways and interstates in america they are, you probably need to watch some ride videos to see the roads for yourself.
3) that's kinda hard because you can have differing tastes to me. Personally I would like a midsized sport tourer like the SV or VFR (no doubt this will get shot down or better one's suggested)
4) no idea, someone else will have to answer that
5) trademe is fine if you are competent at testing out bikes and checking for mechanical flaws, you could maybe rent? Alternatively you could go to a dealer, but they tend to add several thousand to the average price on sites like trademe
6) your 25 which is the age usually the fees start going down. flick an email to
kiwibike. They act as brokers for a couple of insurance companys
hope this helps somewhat.
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