So here's the question. You have 20K. What you buy probably has to last you the next 15 -20 years. New or Used. Limitations - 1. It's gotta be a cruiser. 2. You intend on continuing to modify the bike to your personal style over said time. 3. You don't like HD sportsters. 4. It'll be a commuter and weekend warrior. Weather dependant. 5. You don't have to worry about pillion passengers. GO shopping.