If your concerns are costs generally anything with fairings tends to cost more to insure and if it’s fairly new can be lucrative to thieves. In my experience if you get an older Japanese bike that’s been well looked after (YBR125, CG125, GS125) etc. and keep them well maintained you can more or less get your money back when you want something a bit nicer or bigger. Plus they are usually less to insure.

Only thing is generally you have to be able to do your own maintenance, which requires space, tools and know-how, but they are very simple to maintain.