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Welcome to the Forum...If I only rode say 150 miles a week average X 52 weeks that would be 7800 a year. Keep it three to four years and sell it. The 400 cost less and less to maintain, plus it's easier to sell something in that price range when you are ready to sell.
The 650 weights over/around 600 lbs. depending on what you have on it. The 400 would be a lot easier to back out of the garage. Besides that, I don't know much about either other than what I have gleaned from the forum.
 
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