As much as the RR would be nice, it is mostly an insurance thing. Being under 25 and such has large factors!
On the plus side, I might be able to stretch to the RR as I'd be on a plan B.
I also mostly chose the f4i for ergonomics as I've heard it is technically a sport / touring but if someone could vouch for the comfort of a RR. I'm curious if there is a big difference between riding posture and comfortability.
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Sorry to tell you but an F4i and an RR will be almost identical on insurance as they are both supersports.
The F4i is awesome for Ergo's. I commuted 2 hours a day daily on mine and put 1100kms on in a day. Bought it at 14K and sold it at 77K, not a major problem with it.
But if your looking for Ergo's and cheap insurance, you might want to get out of the SS market and look more at SV650, Ninja 650, Katana, something that is classified as a Sport Touring.
I believe State Farm still has the 25yr old discount (If you meet their requirements wih the G license)