Hi vtown biker/Bob
I saw your other thread but didn't get around to a response. I live south of Penticton and we bought our 2014 RTS from Banner. As you said, the only game in town, but we have been pretty happy with them. If/when you buy one, presumably in Kelowna, you will be doing your paper work with Stuart Gillies. He is a great guy to get to know. Has been there a long time and is pretty knowledgeable and very ready to help out if you need him. We always have long conversation when there, time permitting.
I seem to recall that you said in your other post that you aren't very tall. I'm not either at or used to be 5'7". Probably closer to 5'6" now and neither my wife nor I are heavy. I bring that up because of your decision making process. My wife, even though she is petite, is much more comfortable on the RTS although I do like the feel of the F3. We always travel 2 up. We came from large touring bikes so the Spyder is not our first kick at riding.
I think that the other major issue is how you intend to use your Spyder. We use ours almost exclusively for long road trips. If we were just going to cruise around locally and do some short trips, I think the F3 would be great. If you are going to do longer road trips then the RT is a great alternative. If solo most of the time the F3 might be just fine. We don't have and don't want a trailer to tow. Many folks that have the F3 also tow a trailer to make up for the reduced total storage space and in fact many with the RT also pull a trailer. Because we don't, the RT provides us enough space to do long distances as we pack efficiently.
So, my point is that you should take a look at your intended use and weigh what your plans are for future use and factor that into your decision. As others have said, ride both and see how it feels.
Good luck with your decision. Deciding is definitely a fun exercise. If I can help with questions, I'm happy to help as are most others.
Gary