If you swap titles and pay the $200 transfer fee, you are also assuming any baggage that comes with the new frame. Most likely, its from a totaled bike and that is on record somewhere. Carfax maybe? It might even be a salvage title which is the worst. The absolute worst case is if their turns out to be a delinquent bank loan on the donor bike and they come and repossess it when you go to transfer the title.
Both ways have risk.
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My Ninja Blog
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