Mattman, you are smart for doing your homework. I have had my XR over 5 years w/o one "issue." I too did my research prior to buying, and when I was asked if I wanted the the 5 year warranty for only $400, I passed with the dealer's approval. They said we only see Victorys for routine maintenance and accessories. They haven't seen my bike at all as I do my own work as they are so easy to work on.The XCT is nice but I do not want a fork mounted fairing.
So my choices are slim.