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Also...(what I think) he's also asking is if I put $5K worth of accessaries in a $20K bike; shoudl I expect to price the bike from 20K rather than $25K. In other words, shoud I expect to eat the accessaries????????
I would say yes too.
Things like seats, chrome front ends, grips, chrome swingarms and the like make the bike more comfortable dress up the look, and can increase the value for insurance purposes if you purchase the coverage.
But I don't think they add to much to the re-sale value, at least not from what I've seen used bikes go for.
My experience says you will NOT get your money back.
I recently sold my 96 Fatboy (pictured here: https://www.hdforums.com/fb.asp?m=557013). I purchased the bike new for $17k and had $5500 into paint and parts. I sold it for $11k. My buddy recently sold his stock 97 Fatboy for $10,800, so I figure that I maybe got $1000-1500 more than I would have if my bike was stock.
I kinda figure if you're customizing in order to increase value you're pretty much pissin' up a rope. I've added small stuff like light visors, diamond plate grips, foot boards, shift pegs, and brake pad. And the only reason was because it looked too plain before I did it. Now when it's raining and I can't ride I can at least stand in the garage drinking a beer and plan my next move. It's either that or be forced to carry on a conversion with my wife.
I had a list of adds a mile long on my road king. It added very little when sold. If the bike has a value range of 14 to 15K, it might get just a little bump in the range but not much. If your lucky you can find a guy who likes your bike and is willing to pay.
I read in one of the mags one time that if you can get .25 for every $1.00 in accessories then you are doing pretty good. that said if you find a buyer who was going to do pretty much what you have done anyway then you can do much better.
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