I bought my '08 Busa last May, paid cash for it, and I put full coverage on it anyways. Through state farm i'm paying 850 bucks a year, thats full coverage anything can happen to it, whether its stolen, the house burns down, or I lay it down, I'm covered. But I also have another bike and a car through them, so I think I get the multi vehicle discount.
And yes the Busa was the best decision I ever made, Way more fun then that TL1000. And really the TL was childs play compared to the Busa, all you need is common sense. Honestly though I cant ever see having it in B or C mode, even in the rain it went fine in A mode, because the throttle responce is so smooth and predictable. I've try'd the other modes a few times just to see what happened, I've thought about checking to see if I get better gas mileage with B or C, but I cant keep the disipline to keep it out of A mode.