buy the one that suits you best. Are you going to be driving long distances? Are you a taller rider? For me the Suzuki fits the best and has a huge set of nuts. Honda makes great bikes but is the most uncomfortable for me. My experience with the yam was it was a tad tank heavy, but it could have been my riding style. Just take your time making the purchase. If you've been on dirt you'll have no problem getting used to riding on the street. Dirt is much harder, only difference is watching out for morons on the road.
As far as the MSF.. eh that's up to you. I wouldn't take it.
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