pgm steady one ah!
i think ducati monster have dry clutch, suzuki rgv 250 i think also
have. not very sure ah.
prob.. i think this depend on ppl one lah. u take care of yur bike
and it won't give you problems 
izzit good? hahaha OF COURSE! it's the best! 
2nd hand depend where you buy lah, buy from private owner between
7-9k. but usually they want full cash up front, coz you don't find
alot of them with instalments left anymore.
if buy from mototiam, chorrrrrrrrr loh. 10k+, interest 10%.
expensive ah.
but if you can afford it then i recommend you get it.
haha if u 2a wanna get pgm then i think u now best get a pi pi bike
bah, still wanna get 1st hand SP wah piangz.
2nd hand SP can get around 4k+.
ok the logic normally is that, "if i buy 2nd hand 4k+, might as
well tiap 1k get 1st hand" rite?
wrong.
think this way. do you wanna spend 5.8k, or do you wanan spend
4k?
somemore if u buy 4k, nxt time wanna sell oso not that siong.
assuming u downpayment 1k, loan 3 years at 6%.
4k - 1k = 3k + 6% x 3 = 3720 / 36yrs = $100 per month.
steady one, i everything calculate ok liaoz, 
anyway 2nd hand SP is around 4.3k-4.8k. if u can find private owner
maybe even cheaper.
of course in the end up to u lah. i got a group of frens (9 to be
exact, knn repsol gang ah) riding SP all got 2a liaoz. some are
intending to sell their bike already. i can ask for u if u
wan.
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vroom...tingtingtingtingti...vroom~