KTM are a blast and are pure fun to me. I let my Son who was 21 at the time ride my 530 excr KTM. He does not ride Bikes. I took him to the Stave Lake mud flats when the water was low. Geared him right up. I guess he was hanging on to the throttle and ended up having the front wheel going over backwards twice. Both times where just right after getting on the Bike. He didn't want to ride it after that for fear of damaging a new Bike. Some people pick it fast, others take longer and some never really get it. For insurance as has been said, it's best to keep it under 400 cc. But buying a 1992? I don't think I would unless it was in mint shape, but even than I would be worried about get parts. Anyways, without knowing you and the Bikes, it's just hard to say which one is best for you. Good luck.