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I love my XF. I have ridden (someone else's) motorcycles all my life, but at 40 this is the first one I can call my own.
Unintimidating, frugal, proven technology, and I got it brand new (with a 2 yr. warranty) for an absolute STEAL! What else can be said? If you're looking for a barn-burner, or to impress your friends with your machinery, this isn't the bike for you. If, on the other hand, you're looking to get into (or back into) motorcycling, you'd be hard pressed to find a more appropriate steed.
A little searching on the net yields parts to give this little 200 a little more pep. Then in a year or two, if you're jonesing for something with a little more snort, then move on up. You will have enjoyed your XF and that enjoyment will have come at a VERY reasonable price.