I have three 28SP's, didn't over pay for any of them. The one I ride every month is mint and hauls some ass. HRC card, check, HRC jet kit, check, JHA 500V, check and the HRC head swap and some porting just for the hell of it. All for under $10k US. I guess I could have bought a zillion hp Gixxer 1000 for a bit more but why when this thing is so much more fun.
Don't get the wrong idea though, it didn't start out mint and all the labor was free because I rarely charge myself. lol
On the hp deal I've never seen a 21 that has 20 more hp than my 28.