I own a 06 Gear -Up. My top speed is closer to 110k, although I find myself happily motoring about between 70 - 90kph
I did need to re-jet the carbs, but other than that no fuel problems at all. The electrical system has been reliable so far.
As for fit and finish, the only thing to fit is the trunk lid, and it fits fine. The finish is not shinny and seems to be staying on, so I would say acceptable.
Out of all the powered vehicles I've owned my Ural is in the top 5 for fun, and so far not really been any more or less reliable than anything else I've owned with 2-3 wheels. My Dog and grandkids love it too!