I got stuck in traffic on the highway the other day and basically rode the grass to the access road and jumped the curb into the Arby's parking lot to cut through the strip mall lot and get to work. It's the bike that makes you do that, not the rider.
I know what these bikes will make you do all too well. I can ride my 1098 like a little old lady if I want, but the moment I get on the Husky all bets are off. Suddenly, riding up a staircase seems like the logical thing to do.
The cheap used bikes seemed to have jumped up this year along with gas prices. Last year I could find plenty of bikes for $500. This year I can't find anything for under $1000. Also keep in mind that the Husky is new, is bullet proof, and you have all the maintenance items already. The Husky is also easy on gas and tires. A $2000 beater can run you double in tires, brakes, chain, battery, and other unexpected small stuff. If you sell the Husky for a loss, re-pay the loan, buy a beater, fix the beater, you will end in the same place financially and still wanting the Husky back. Now, you might luck out and find an awesome deal on a really cherry bike but you will only end up saving a $1000 or so.
Throw a 15 tooth sprocket on the front and have the seat re-done by CeetMan and you'll be fine.