I don't think people are selling themselves short by getting a monster, there's reasons other then price to drive people to get a monster. I knew I wanted a naked bike(the prettiest girl) so I got a monster, price not being the issue.
I was never even considering a superbike, Too much power for the road. Those bikes were designed for the track and riding on the street is not a very fun experience. The first bike I rode was a zx6r and it sucked on the street. Uncomfortable and a pain in the ass in any type of minor traffic. I got a monster because it's the perfect daily rider street machine, and on weekends you can run it at the tack and be competitive.
The salesman at the dealership I go to traded in his 848 for a monster because he hated riding on the street with such an aggressive bike.