After reading your post that you live in NY and ride thru winter, w/out a garage - I understand your request, but I can tell you that a fellow who used to be on this Forum bought a Versys ('09) that had ONLY been serviced by a dealer, including VERY RECENT replacement of the two sprockets. When Dave got into it, he found that DESPITE charging for new sprockets, that dealer had NOT changed the front one. The teeth were just "nubs"....
...Wheel bearing change? Has anyone here ever had their wheel bearings changed? I've never had wheel bearings changed on my bikes. My harley softail has over 90,000 miles on it and it still has the original bearings. I personally don't know of any one that has ever had their wheel bearings changed. Well except in the old days when the wheels used cone bearings. Modern bikes use roller bearings. I believe they should last the life of your bike. If I'm wrong, I'm sure someone will correct me. Save the $400 for other things. I believe a bike rider should get to know their bike. And a chain & sprocket change would be a good place to start.
For those w/ a garage - I ALWAYS grease the bearings (and axles) in my wheels whenever they are off the bike.
Taking off the front sprocket is a total bitch! Would not recommend doing that yourself the first time haha. Make sure the dealer torques it to the factory spec, not 1200 ft-lb's like Kawi did.
Of the THREE V 650s I have (or HAD), two of the sprockets were EASY w/ my 1/2" air-impact guns (Craftsman in AZ, and Ingersol-Rand in BC), but I found that it works BEST if you do it just after your compressor has re-filled itself, so it's at FULL PRESSURE.
The other one...? I rode it to a local shop where they loosened it for 12 beer (local, craft beer - YUMMY!), then I re-torqued it there, rode it home and easily removed it.