i am in exactly the same thought process as yourself and have been looking at both bikes mentioned. i test rode a vfr800 (2009) the other day and it has all the luggage, and it was such a nice bike to ride. it was £5595 and im sure you could get it a touch cheaper. i've not managed to find a triumph to test ride yet so i can't properly compare them, however i nearly bought the vfr there and then.