I have had a 695 for 5 years, and wished I had chosen the S2R when I had the same questions you're facing right now.
The tiptoing is something you can learn (assuming you can reach the ground)
Although the 695 is a great bike and I still love it these are the downsides:
- lower seat is just a shaved down S2R seat; ie. less foam, ie. harder! If you want a lower seat try and get hold of a 695 seat; they're interchangeable. I now ride with an S4R seat.
- problems with heat ; engine paint melting/discoloration caused by Euro5 (solution is DP ECU; a must have if you decide for the 695! Oil cooler would also help)
- Euro5 also causes the engine to ride rough/hiccups (did I mention the DP ECU?)
- debatable, but after market parts (esp. rear sets) are harder to find. Cycle Cat rising from the ashes is a god's gift here.
- but the most important reason for me is the ergonomics for longer rides (ie. 2hours+). Although I'm also vertically chalanged (30 inch inseam) my hips hurt from all the gear changes and I really need to lean forward for a good riding position, which makes for a very weird riding position. Ever seen someone on a 695 that doesn't look like (s)he is stretching to reach the bars? I've ridden on S4R, M1100 and the ergonomics are just way better. Also the footpegs are more outward than the S2R; your feet are further apart than you knees. Try sitting in a squat position on the floor and push your ankles out. Hold this position for 5 min and you'll get whet I mean.
If I had chosen the S2R (1000) I now would not be looking for another bike.
Maybe that last sentence is a reason to go for the 695
Whatever you choose you'll have a great time.
![Dolph](http://ducatimonsterforum.org/Smileys/classic/moto.gif)