I would not have a issue to buy a 2012 RTL at all!! And the reason I say that is that that engine and year was pretty much debugged by the past years and out of the v twins I fell that it would be the best choice! Is the new 1330's worth waiting for, heck yes if you want to wait till you can afford one it would be worth it, but you will loose the riding time in the prosses! If the 2012 is what you can afford it would be a good place to start and you can always trade up or sell out right latter! Good luck in your shopping!