This is why the extended warranties look good to some folks,so they dont have to pay out of pocket per issue,you can finance it into the bike.Its like saying to HD that you know there will be a problem later and HD is saying no dont think so.Bought the extended warranty on my 16 but they wouldnt transfer it to the 17 because of the engine design change.I will wait until the warranty is about up on the 17 to see if i want to buy it.And as far as you shouldnt be riding if you cant work on your own bike,well i call BS.I ride with my buddy who will be 75 this year and he has a Street Glide with a T-Man 124 engine making 136 hp and 140 Torque at the rear wheel and he can ride the hell out of it.