I was in a similar boat as you:
- had a Tiger 1050
- commuted 100 miles roundtrip, almost all freeway
- almost 40 years old, and trying to be more mature
I knew I'd love the 1000 and the ergos and weight felt good. Buuutttt, the lower price, better mileage/octane, and cheaper maintenance said I should get the 650. My dealer would prep one and let me ride it, so I had them prep the 650 to see if it had enough power for me. It felt a lot better than I thought it would, so I went ahead and bought it. My commute requires 75+ mph and the 650 does it while giving me 52mpg average.
Now, if I didn't care about mpg, rear tires, or higher payment, I'm sure I would've gotten the 1000 and loved it.
Seeing some comments above the mileage of the 1000 makes me think that maybe I made a mistake, but there was still no getting around the $4,000 price difference for me at this time. Maybe in a couple years, who knows....