...A great big'WAIT UNTIL SPRING"...I just bought me a new truck in July;even though I could probably afford it easily enough,it just doesnt feel like the right time-There are people getting laid off where I work in a couple weeks;and even though it wont affect me(I will have 19 years in October1st)I just dont want to go deeper into debt right now....Mike,you had good advice:WAIT UNTIL SPRING.....Thanks for puttin that in my head,friend.....What I SHOULD do is buy that pair of neoprene waders I have been wanting-LOTS cheaper than a monthly payment on a bike;AND:Hopefully I wont be frostbit when I get into the water....