Thanks for the replies. I used to ride mountain bikes and never really messed with the adjustments on the front forks on the bikes I had.
My limit is $5000 and I am trying very hard to stay local. There are some nicer and cheaper ones in Southern California, but that is farther than I want to go. I'm also checking out SV650s. I have never ridden either bike, but don't think I could go wrong with these two choices.