I don't do finance/loans/pcp etc. I've money set aside to buy my next bike, but I just won't blow it all just to have the next great thing.
As for the F800GS, I've never ridden one, only the 800ST. I thought it was a nice enough engine, but in all honesty I don't really want another new euro brand bike.
At 0% you are daft not to, do a PCP on their money & keep your saved up money in a deposit account like Santander's 123 account @ 3% pa & pay the monthly dd from there & if necessary pay the final balloon from there too or trade the bike
Saves your cash
You'd be stupid not to


I don't mind slumming it for a few months. 


chariot......oh hang on.....no,I'd rather have an under-rated more simple bike that isn't packed with stupid rider aids and flakey paint.