Many owners take out the extended warranty each year, most get far more back than they pay out so if you really want a GS and don't want to risk huge repair bills then expect to pay £310 per year for warranty and an avereage of about £350 every 6k for servicing.
Also note the double service scehdules for BMW's, they need servicing on an annual basis and every 6k, so unless you do exactly 6k a year you may find yourself having an extra service between mileage ones.
I carry an FPC (£80) and I believe the EWS faults are sorted now, Final Drives still seem to crap themselves far too often and look at the final drive failure thread here and you will see 2009 models still blow them up and sometimes before the bikes have reached 10k. My bike also managed to warp both discs, blow both fork seals and develop a clutch fault on my last tour (just 14k on it)
Have you tried the Yamaha Super Tenere, as a long term and high mileage / commuting option this would seem more practicle, I would not see the Stelvio or MTS as year round bikes.
Oh, I disagree with finish complaints as my GS seems better than most modern Jap bikes with regard to paint thickness and general finish.
Why on earth shouldn't a Stelvio be a year round bike?
My first Stelvio managed two years with winter use and proved to be more reliable than many of the GS1200s I read on these forums. I have no doubt my new NTX will be just as good. My GS1150 that I owned and ran all year round for six years showed far more corrosion after it's first year than my Guzzi.
I have a pal in Scotland who keeps his Stelvio out on the road uncovered all year, he's had no problems with it and far less corrosion than he suffered on his GS ADV1150.
Another pal uses his California Vintage all year, no problems with his bike either.
Moto Guzzis in my rather limited experience of 30 months ownership are no worse than BMW in terms of reliability and quality of finish.



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