What the more experienced riders are getting at as far as used goes is if you drop that new bike, it will drop 1-3k in value. Even if it's a pety drop, people will want to pay less for it. So just get a used one that someone has probably (or not) already dropped, and just have a good look at it. You will save a hell of a lot of money overall if you buy used dude. Sure that deal with Honda sounds good, but A: When those 50 months are over and it isnt fully paid for, then how sweet will that deal look? B: Insurance is gonna 0wn you C: You risk the chance of dropping the bike (as it's your first) and knocking 1-3k off it, which is what it would have cost you for a used one in better condition (compared to a just dropped new bike) that is sold WITH gear.

Unless Honda is giving you helmet and jacket, rear stand, a bike 1500-3000 bucks cheaper than a new bike, then i wouldnt get it. The problems that would be covered under warranty are so minute amongst most bikes that its probably (again) not worth getting a new bike. Unless they are giving you lifetime free maintainence or some shit, you might as well forget it.