The banks require more money down and give a shorter time period on a note for a used one. I said that to let you know I understand.
From prior posts, I am absolutely convinced you want a Triumph. You are undecided because of the money, not the bike. If you shop price for the bike rather than the bike you will be left wanting. That is bad cause the used market sucks for sellers.
Find a way to buy a used one Oates. The financial part will be better in the long run and you will have a Triumph. If you put more down and pay it off faster, that is way better for you. I know its a painful thought though.
Anyhow, stop looking at other stuff. It just confuses you and brings you right back to where you started (Triumph).
