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For economizing, I'd suggest skipping metallic paint, cold weather pckg, leather, and adjustable seats (and the HK system but you didn't list that). The packages are so personal that it is up to you - for every person who has to have s/t, there is another who finds it useless, and I think we ALL feel ripped off by extra pricey crap added in we didn't want. Skip the lard (moonroof, exec/comfort, adj seats) and I think your resale will still be good for future sportsters looking for the same.
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