Good grief Al! Extrapolating from your posts, post count, frequency, pay as you drive plan, total mileage estimate, a 120 mile daily commute and only a one second space between you and the vehicle you're following; you gotta stop texting while driving!
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The Smart Money: #1 - ATGATT, #2 - Training (machine skills and survival skills), #3 - The bike; whatever floats yer boat with the money you have left over