Just my opinion but.....if I was only 'cruising around town, and some back roads' my choice would be my Burgman 400.
Its easier to ride, more economical, and cheaper all round, than my 650, while still being a great ride.
On the other hand, if you go straight to the 650, you will find that its such a brilliant long distance machine, it may change your mind on the touring issue ?.....both scoots are GREAT!
just a thought