Your SV650 will be fine for at least 3 more years of riding, probably 4 or 5 if you do maintenance properly.
On the other hand the Ninja 250 will make it last even longer if you put most of your commuting miles on it and save the SV650 for the weekends. You have $1,900 in the Ninja 250, why sell it for less? why lose money on it. It's paid for, keep riding it and it will extend the life of your SV650
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