I guess it all depends on what you want and what you are willing to spend. The 9r is a great bike, lacking a little in the power department, a little heavy, not the most agile. But, it is cheaper. The 10r on the other hand is supposed to have plenty of power, be just as light as my 6r, and will more than likely be nimble as hell. But, it will cost you more. Also, I don't know how the kawi cards work right now, but when I checked them out the interest was good for a little while but then it made a drastic jump. I just went w/ their financing through Household Retail Services. The interest rate w/ them was 7.9%. I can't make the decision for you but if the 10r lives up to the hype that is the way I would go. And watch out for that high interest.