Great guidance. I should point out that the seller is a reputable BMW dealer and the bike came in on a trade in. It would be a stretch for my budget to go to a 08 or 09 as I plan to keep my RT. I guess it comes down to weighing in a buffer for possible repairs versus saving for a newer model.
If a BMW dealer has it then ask if the bike comes with a 30 day (or longer) dealer warranty. If not then maybe they know something they aren't telling you up front.
If the bike comes with (even a short) dealer warranty then they probably have confidence that the bike is in somewhat decent condition (drive train wise).
If they don't/won't offer (even a short) dealer warranty period then push like he!! to get that as part of the deal. If they don't have confidence in that that bike then why should YOU have confidence in that bike?