I can't believe I found this thread so late.
DON'T DO IT DAN!!
Cruisers are weaksauce (no offense to cruiser owners). If you want to get something that handles as well as a shopping cart get a mid 1980's ford taurus. You're young, get a fun bike. Don't limit yourself to a 636. Evaluate what you want out of a bike and how much you want to spend. The second tier sports bikes like the ZZR, the yzf600R, the F4i, all have far inferior suspension and brakes to a modern supersport. Even if you don't "need" the capability, I'd recommend getting a minty used condition 2003-2004 supersport over a new second-tier bike.
Why are your insurance rates so high? I'm 24, for me liab/comp/theft on my 2003 SV650S and my 1989 GS500 was 444 dollars a year. Me thinks you need to shop around. if you are 25, I hear state farm has great rates.
Also consider going to a track school that lets you rent a bike (such as penguin, STAR, california superbike, etc.), by improving your skills even at a sedate pace your "skill reserve" will large in case you have to deal with the unexpected, DY crosser, bad pavement, no traction, etc.
atek3
PS I'm going to star school in april probably
PPS I got my acceptance letter from krannert for 2006. Not sure wear I'm going though.