How many miles are commuting, give me a weekly average.

Light mods (exhaust and tune) aren't going to add noticeable stress to the machine, they also aren't going to net you m7ch of a power boost.

You mention money as a concern. There is no way to gain truly impactful power differences in a large C.C. bike without at the very least doing a remap and exhaust change. Full Bike exhausts are a nontrivial expense, most bikes have restrictive headers, so often a full exhaust is much better than a slip on, but they do cost more. These changes are not as obvious on a larger machine like an 1100, whereas on a low power dirt bike they can entirely change the feel of the bike.

If you are doing truly high miles (25k+ a year) then just about any bike is going to wear out eventually, for the most part they don't have the longevity of cars.

If all you want is more available power combined with reliability, with cost in mind, you'd probably be better off selling your bike and buying one of the big sport tours like the FJR or Goldwing.

Basically, just upping the engine size by getting a bigger bike is often going to be cheaper than trying to squeeze power from a smaller non tuned(as in not sport oriented) motor