The Suzuki 250 is the way to go. Not only is it the best priced engine, it is also bullet proof. I have a 2005 that I have been running for 7 years. I have a friend that has put 4,000 hours on the same motors. The only down side is the service facilities are far and few between. If you have a good local Suzuki dealer that won't be a problem.
Yamahas are great motors and have a better network of dealers, but the $4,000 price difference is not worth it to me.
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