Hmmmm, first year mods...
During riding season: Footboards, crashbars, short TORs, pillion luggage rack, saddlebags with homemade brackets, driving lights. I got a couple extra grand in the loan for most of that stuff. Of course, there was the gear: helmet, leathers, etc.
First year, Winter: paint, relocate battery, K&Ns & rejetting, AI removal, probably countless other knickknacks.
My spending did drop off a bit for a little while, then came the belt drive, corbin and more.