Well, I brought the 04 home overnight last night, and was very impressed, goes great rides great, and has great headlights. I took it back this AM and looked at a 05 they has on the lot (both 130HP automatic) and even with the power moon roof and the Monsson stereo, was only about 3K more. I didnt have to worry about financing, however the rate for the 05 was 2.9% for 36 mos. or less. As we speak I am the proud new owner of the 05. Ended up financing 5K because of the rate. I will put about 200 miles on tomorrow (half of that with 500 lbs. of cargo, I'll let you know more tomorrow night.