
Uhh, you ever been to CA or FL?I also know that in the next couple years I might move to Florida or California which would allow me to deal with far less traffic on a daily basis.

The 620 won't have the same top speed as the 1000/1100, but it will be near or equal for acceleration. It's lighter weight will make it easier to deal with in stop and go traffic, and the clutch is lighter. You make a good point about insurance, but also don't forget mpg's. Since you have to use premium fuel, and especially since you will be doing a lot of city driving, you will appreciate getting ~50 mpg with the 620.