The electrical system puts out what it puts out, overloading it doesn't have anything to do with the stator failing.
If you're handy with the tools, the potential stator failure shouldn't be too big of a deal. On the other hand, if you're not handy with the tools it's a pretty expensive job, so the potential is something to consider. The warranty is 1 year and I suspect most stator failures occur after that time.
A stator is ALWAYS at 'full power'. Overloading it CAN damage it, but you'll have other symptoms first, such as dim headlights and a dead battery because of it's inability to handle the load.
What DOES cause them to fail (usually), is wear on the insulation around the coils causing an arc.
Seems like the 06 and 07 models are the vast, vast majority of the issues. Though other years have it too. Some guys go 50k+ without an issue, others 10k and it's gone.
If you do it yourself (and it's not hard) it's under $200 and the aftermarket replacement has been reported in some bikes at up over 50k miles and still going strong. Rick's stators are much better than OEM. Mine failed at 15k, and though it was inconvenient, it didn't at all make me wish I hadn't bought the bike. Given it's rock solid reliability elsewhere, good fuel economy, and the price I paid for the bike ANYWAY in comparison to another bike of the same ability through another manufacturer? A $200 repair really isn't that bad.
Other bikes in this class I always read about cam chain tensioners, rounded cam lobes, blow-by problems, etc. All in the same year/mile range. I'd MUCH rather replace a stator than split an engine case.
Just my $0.02. But the bottom line is, and I think most 900 owners would agree- at the end of the day the stator problem is not a deterrent. Even with that achilles heel the bike is still an excellent value.
I don't know how married you are to the idea of a 2010+ but I can tell you that you can find a low mileage Vulcan 900 for $5k all day long, there's lots of them out there if you're looking used. I got that advice from folks on the forum, and sure enough, I got one for $5000 on the nose, an LT with 8,000 miles on it. She's got close to 30k on her now. I still see them all the time, under 20k miles and around $5k!