Most people see buying the bike as a beginning, then the mods start. Bars, wheels, you name it it'll have mods done. Me, I'm just happy riding around doing little things every so often. But the exhausts.....no-one is happy with them. Even me. When I got the 06 one of the first things was the removal of the rear baffles. (I work shifts and I don't think my neighbours would appreciate me having really loud pipes at 2am...) He's quiet compared to some but I like his noise.
If you're gonna regularly ride with the missus on the back (though why not tell her to get her own bike and license?) and get the Speedie then change the seat. I've not sat on the pillion on a SM but I cannot imagine it'll be comfy for long. And a sissy bar. If you go Triumph bar get the tall one.

Just my humble thoughts

Oh and welcome.

Gina 03 America - Pretty stock - except the TBS wheel... 06 America - missing, presumed in bits. With it's TBS wheel... 09 America - It's very blue....