Thanks for the suggestions. I will probably go for a kryptonite 6ft. chain I saw on motorcyclesuperstore.com. It was pretty expensive at over $100 but got a ton of great reviews. It seems like this will hopefully do the trick as lowering the deductible would raise my insurance by well over $100 for a year of coverage. Still havent decided on the exact bike I want but leaning heavily towards the Ninja 650R which might put me around $7,000.