I have no idea why anyone would buy a BMW GSA. A KLR650 is all the bike anyone actually needs. I'm also debt free except for a small mortgage, I bought a small fixer upper 2 bedroom about 22 years ago and fixed it up. It has a 2 car garage (full of bikes) I refinanced it right after Bush invaded Iraq. I have less than 5 years to go on it, at $523 a month, taxes and insurance included. My EX wife's sister and brother in law owe nearly $2000 a month on a fairly new 30 year mortgage. I don't think I could live with that kind of debt.
I am so tempted to get a KLR ('09 or later) but I'm not sure what I would do with it. I have over $3K into a heavily modded XT225, and it works fine for everything but long trips. I have a Vulcan 750 and a Goldwing 1500 for long highway trips, and don't see myself doing any long distance off road trips anymore.
2002 Vulcan 750 (being repaired, engine has to come out) 2013 Royal Enfield B5
2001 XT225, 2009 Genuine Stella
2012 Zuma 125, 1980 Puch moped