edd

if you plan on hauling any type of payload as in passenger, gear as in dogs/wood/coolers n such. i would definitely get the HD10,  or you might be lugging the engine significantly or  you would have to be in low range often.   owners manuel states any payload over 500lbs to use low range.  Iv'e had close to 800 lbs in mine with no issues in high range.  (HD10) 

i had mine insured through a participating party of sentry mc insurance, however they notified me that as of july 01, 2019 they will no longer cover, utv and or off road vehicles.   due to the money i have invested in it,  I was mostly concerned with theft.  tracking devices might work in the short term, but they can be located with tracking device sensors and rendered ineffective. any ideas?