Very good point. If my Ural had been totally paid for before the warranty had expired, I'd probably still have it. Without a note, I can afford to buy parts for repairs. I can deal with a "problematic" bike if I'm not still paying for it. But having a monthly note on something I can't even use is where I draw the line. In the future, I'm going to try to save cash for all my bike purchases. That practically guarantees that I'll always be sitting in the cheap seats, but that's alright with me. So far, the Ural has been the most expensive bike I've ever purchased and probably will remain so.