Cool bike, congrats. I feel this bike may not have been a healthy financial decision if you only put $2k down on a $10k bike and have a high interest rate.
Id say its a great bike out of the box, don't waste your money on mods, use that money to pay for the bike, or you will surely be upside down on it in short order.
I am a Debbie Downer, I know, but you couldn't afford the bike, so you cannot afford farkles, that is the truth.
New out of the box Triumph S3.