Unless you are absolutely positive about what you want, get a used bike and buy right now. People have Christmas bills right now and a bike isn't gonna be useful for several months, so there are some good deals to be had. The money you save on any model you get a good deal on will go a long way toward making the bike work well for you.
To ME, the bike you are describing in your "needs" description is not a Vulcan 900 at all. I would look at the Kawaski Versys (like I just bought to replace my VN900 as my go to bike), Suzuki V-Strom, SV650, Ninja 650, ZZR600. Obviously, everyone is different, but for ME, the stock Vulcan is just downright UN-comfortable. The seat sucks, the handlebar position put me in a funky position that makes my back hurt after about 30 minutes. Stop and go traffic kills my legs having to do "straight leg lifts" to put my feet on the floorboards (as opposed to pulling my feet straight up on a sport bike or standard). The "lightweight" VN900 is no where near as easy to maneuver in a parking lot as a middleweight sport bike or standard. Also the slow steering, slow braking, and slow acceleration of the Vulcan makes me less comfortable about my safety on the road.
The reasons I'm going to keep my Vulcan? It looks cool, it's paid for (I'm into my '08 Classic with 16,XXX miles for about $3500 with brand new tires), insurance is cheap, it looks cool, gets good gas mileage, more bikes = MORE FUN, I FINALLY got it reasonably comfortable with a Saddlemen seat and 12" mini ape hangers, besides it looks cool.