I am following this closely, as a fellow Yooper. I'm on the fence if I want to go through with purchasing a Roxor. I have a quote from a local dealer on a Roxor I want, but I'm just trying to decide if I want to take out another loan at this time. Then there is the additional cost of getting parts to make it road legal, and the need to add a rear seat, seatbelts, and some sort of rear roll cage so my daughter can ride with my wife and I. This is easily a couple thousand or at least an additional $1500 or so depending on how I choose to accomplish it, on top of the cost of the bare-bones Roxor. Someone I know is offering me a good price on a 92 Jeep Wrangler, which I could pay cash for and have all of the above boxes checked at no extra cost, no monthly payment, and no trouble insuring. There is something that draws me to the Roxor though, I have test drove them twice and really like them. Getting one road legal and readied for a toddler to ride in the back, more or less safely, sure seems like the long (expensive) way around. I have also been hassled by local law enforcement for riding an ORV at more that 25 mph on a county road where I live. If I bought a Roxor and had to worry about going over 25 mph on county roads prior to it becoming road legal, when coupled with the expense of ownership, I would be really unhappy. If I buy this Jeep though, I would still probably save towards the pricey journey of a road legal Roxor.