Why not take a loan? I see nothing wrong with it. Just because I don't want to go out and drop $5k on a bike doesn't mean I dont have the amount to do so. Sure i could have saved 4 months and owned it outright but why not just make payments. Life = debt in some way shape or form you will always be in debt to someone. If your not then hey.. give me some money
your obviously growing it on trees.