I bought my 2015 650 LT in green and haven't looked back since. Cheaper than the 1000 outright and on insurance plus gas too. The 650 literally is a sportsbike once you pop the bags off. You can lay it down like you wouldn't believe. It will do 0-60 in 3.8 seconds. I love it, mainly because it is so incredibly light. I am 5' 11" and it is a great height. I test rode the 1000 and it was nice, but nothing about it made me love it like the 650. The 650 is an underrated bike because most people wouldn't think twice about a versys, hell that is how I was on the older models too. Tires are not a crazy jump to the 1000 as far as price, not enough to not buy it anyway. The only downside of the bike is it has plenty of pwoer to get up to 70, but if you do a lot of highway riding it does rev higher than the 1000 which would give you more top end power, ovbiously. If you can live with not being able to have crazy top end power, buy the 650. It is one hell of a bike. That is a great price as well. I paid 7400 OTD plus tax when I bought mine in March of 2016.
Oh yeah, and the bike looks great with or without the bags. Are you looking at the white or green?