I think you should go to a dealership and see which one looks good, that fits you the best and buy it. Another way is if a dealership has a demo day and test ride every bike that you like and choose it that way. After all, it's your choice and I can't and won't tell you which one to get because everybody has their own preference on which one feels and looks the best to them and that they can afford. Good luck.
That, plus, make sure your wife goes with you. If she isn't happy on the bike, it just won't be worth it.
Lowrider to me would be perfect. I debated between that and the Fatboy for awhile but the Fatboy fit me just a bit better.....and I got a smoking deal on one.
Since you are already talking apples and oranges with the bagger/sportster, how about a Honda Silverwing? I know - blasphemy on a Harley Forum. Just a thought.