Eh, live a little, get the new '13. You've work hard and deserve it I'm sure.
Normally I'm a big fan of the 400 and used bikes. But given your riding background and size, I don't think the 400 would quite fit you. They did a big redesign in '13 including a better clutch which makes it easier to move about. So used might not be an option. Sounds like a fair enough price, new.
Good luck. Looking to hear about your eventual purchase.