I ride as often as I can. I traded up to the 1800 last August and already have over 9000 miles on it.
I ride all year, but if there is any chance of black ice, or the threat of rain, the bike stays in the garage.
If it is just cold, I have heated gloves and a windshield. Coldest ride was 18 degrees, didn't go far, just had to get out for a ride.
The Magna is a great all around bike, I wouldn't trade it in for a dirt bike, just be careful out there.
As for close calls: you have to be on the lookout for the other drivers all the time. A lot of them claim that they never see you.
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