Of the ones you chose, the FZ07 is the best. Looks great, handles well, comfortable. I test rode a bunch of nakeds before getting a Monster. In my opinion, the monster had the most "character" as some put it. It's loud, rude, and aggressive! But also quite comfortable. It's got top notch brembo brakes as well. It isn't perfect by any stretch, but it is REALLY fun to ride! It certainly has an exceptional pedigree! You have to test ride one to understand. Beauty is in the eye of the beholder of course, so opinions will vary in that department, but I think it is the best looking of the bunch! The XSR900 would be a very close second. As far as Ducati insurance premiums being high, I've only had my full M license for 1 year, and my premiums are well under $1000/year.
I also liked the FZ07, and the XSR 900. The FZ07 was REALLY comfortable, and the XSR900 looks fantastic, is quite powerful, and real comfortable as well.
I too loved the ride of the Triumph, but can't get past the bug eye headlight! I think it looks terrible!
Good luck! Lots of great bikes to choose from!