All this feedback is great and has had me running all over the net researching the points you all have brought up!
The WR250R did peak my interest with its EFI and other technology but I don't like the idea of needing to buy premium fuel and I'm also nervous that the advanced engine means more difficult and expensive repairs/field repairs. Both the DR and DRZ seem to have a great track record for reliability and ease of maintenance/repair.
Must be the 2 year difference between the bikes but the insurance for the 650 was going to be almost $450 dollars a year more.
Anyways, after working out the budget, my better judgement has won and I will be holding off on buying right now and as ryguy mentioned, probably go used (if only just slightly). The idea of financing at 0% for the life of the loan almost had me!
Thanks again for all the helpful suggestions and insight