Welcome Kirbee, hope to see pics of your finally choice sooner than later. Decisions right?
Cruise? Depends on what your riding is. I'm on the highway everyday commuting. Even in town I use it on traffic light sequencing early morning. I have a second bike with a thumb lock. If you think that will suffice, much cheaper but won't hold it in a grade. So your still on and off. Don't know what problems you heard but I think its a solid system. Steady with my buddy's gold wing I ride with every day.
Stereo? Never had one before and I like the option. Also adds options for gps and cb but doubt your looking for that right now.
Chrome over blackend. I love the looks of the 8 ball. Chrome takes more maint but I would assume the black has its dirt day requirements. Coin toos on looks. However, when I ride my vision it's always "what an interesting bike" or "what the heck is it". When I get the TC out (04 XC style) it's "wow, that is a clean ride". So I know the chrome speaks and as soon as they say it ain't a Harley I come back with hell no, I ride it all year!
Riding 6 months a year for 450 a month. RICZ and Scotch are both right. First wait till the fall. There are no "sweet" deals until the 15s are out. Vic has some good incentives. Also, buy what you can afford. Your not buying a bike to ride 6 months a year (you may find you start riding more unless it's roads the issue) but more over your improving your comfort and enjoyment on two wheels riding how it's intended. For the pleasure in it. You won't save any money, it's going to be a costly hobby with mods, always is, and at the end of the day you will have more tied up in it than it's worth But what fun doing it!
I can't seem to sell my TC because it's too much fun and it's paid for. While I do have a small payment on my vision, bought it in oct at a steal 5 sates away off the showroom. Saved enough to fly there and ride her back still substantial savings. Hope this helps with your decision, buy what you can afford, with what you want for 5 years from now. The mods will helps, take your time.
2011 White Vision - Nuvi 550, Lowers, Lloydz 2nd filter, Vic perf filter, CB/Icom, 96 Brake LED's, Clear Signal lens/Switchbacks, VIC Hwy Pegs, Stebel Horn, 7Jurock 15" Shield, PCV, Lloyd ATS and Variable intake, Ness honkers
2004 V92 TC - S1 flash, level 1 slip-on, Ness big sucker K&N, ISO Grips, 4x1.5 Highway Hawg Risers, extra chrome (never too much), JM 2k CB 4' antena, Mustang seat, HD Front TS & Lowers, OD Pulley
Retired Navy SCPO