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Those are highly specific requirements. In particular, getting ten inches of ground clearance will mean a lot of bike, which in turn will be a bitch to self-recover. Rolling one of those suckers is definitely not advised.
Have you considered investing in a used YJ or something similar to that? It seems to me that for your particular needs a small truck might be a better option; if you're using it on private trails (ie your own property) you may even be able to bypass regulations re: insurance and emissions, although that'll vary by region. As well, for the sort of bike you're looking at you can probably purchase and outfit a beater truck for cheaper; in particular, independent rear suspension on quads is relatively new development and while it can be had you're pretty much going to have to buy new, so you're going to pay for it.
Of course, it's also possible that the trails you'll be riding are too narrow to accommodate a truck. In that case, you've probably got the best options figured already (you might consider a Polaris Sportsman 500, although at 700-odd pounds that'd a bitch to get wheels-down again, if it came to it).
If you can deal with a swing arm in the back, your options will be considerably expanded. You can look at used bikes from three or so years back and save a bundle. Since you've said you'll be riding solo, you can mitigate the harsher ride by riding off the seat, which will save you a lot of agony; I know when I've got a passenger and have to keep my butt planted I suffer all the more for it.
If a truck is out of the question and these are the two you've settled on, I'd suggest stopping by dealerships and seeing which you can get the better deal on.
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I wake up in the morning more tired than before I slept
I get through cryin' and I'm sadder than before I wept
I get through thinkin' now, and the thoughts have left my head
I get through speakin' and I can't remember, not a word that I said
- Ben Harper, Show Me A Little Shame
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