Hi bhop! I'm from NYC too. I notice you didn't respond to any of the other poster's questions, but here's my 2 cents. Only you can decide what bike is best for you. Go ride a bunch before you decide anything. Second, I don't subscribe to the notion that a squid (no offense ;-) can't learn on a liter bike. Know your friction zone, know your limitations, respect the bike and you'll be ok. I'd also suggest taking a MSF course. You'll be a much better rider than you think you are after you finish (you can take other courses like Keith Code's later on). Unlike many riders, you'll actually know what countersteering is and how to apply it (really important!). With all the electronic rider aids on today's bikes, it's much easier to start out on a liter bike than it used to be. Be confident but cautious.