I wouldn't be worried about the lack of torque of an I4 compared to a parallell twin / single to be honest.
I had a Scorpio on my learners (225 single) then a '07 Ninja 250 on my restricted (250cc twin, 13k redline). You'd have to thrash either of those just as much as the I4 up a hill.
400cc is nice of course but fuck paying 8k for one. Save your money for 2 years' time, trust me.
I'm 6ft3 and 88kg for reference, the above bikes were fine fit wise.
"It's hard to keep an open mind, when so many people are trying to put things in it"
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