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I'm saving for a street glide myself as a second bike but i would definately go with the fatboy. I am leaving mine like it is. Stripped down with lots of chrome.
have an '04 Night Train (it was new to me 5 weeks ago) with 4K miles on it. was completely waffling between this and a Springer. I love the look of a springer. if I had the $$, tho I'd do a Cross Bones in a heartbeat.
I love my Train and wouldn't swap it for anything but a brand new Bones.
Love my 07 Heritage and was surprised to hear a fellow rider at our last HOG meeting riding a nice SG say that he and his wife who has a really nice Deluxe ride their FLSTC if going on trip. He said it rides better than his SG, which really shocked me.
I was thinking if I got another one it would be a new SG, now I would have to ride one to be sure.....
I think of a Fat Boy as a muscle car on two wheels only it costs less and takes up less space in my garage. It is a great cruiser and fits well with 6' 2" frame.
Soft tail Standard- Gives you a canvas to customize to your liking. You can save some money going with a Standard and use the money saved to customize. Unless you just want to buy a bike and slap on some pipes. Then I would buy a rocker.