Almost bought a brand new 2013 HD heritage Classic today... Then they let me test ride one... That was a mistake.
After 10 minutes it was HOTTER than hell sitting on the thing, The 103 CI engine had about as much power as my 900, (granted it was bone stock, but so is my 900, whatever,) I did like the 6th gear, but I like the ride on my 900 (with mustang seat) better. Beautiful bike though. LOVE the paint and the colors available. I wish Kawasaki made the 1700 classic in something other than black.
I'm kind of just venting, I really wanted to like that bike. I was ready to buy, cash in hand. I just can't believe the heat, though. It's like sitting on top of a furnace. I can see why you see so many metrics at Sturgis and Daytona these days. Kawasaki, Star, Honda and Suzuki have out Harley-ed Harley.
You just really get used to having liquid cooling and a radiator once you have had one I guess!!!
Well I saved a ton of money. Maybe I'll just go get the Orange custom I like and chrome it out.
Let me tell you - having just bought a 2013 Road King, that 103 has a LOT more power than my 900. Tons more. The power isn't even a comparison. Now, the heat? Yeah, that's a different story. That is something different. You get on that thing on a hot day, and you really feel it. However, once you're moving along, it's no different from the 900. And, I'm not sure about the FLSTC, but I know the new touring bikes have integrated oil coolers.
Harley also has this thing they call EITMS. Basically, when certain parameters are met (in neutral, oil temp above a certain value, speed below a certain value, etc), fuel is cut from the rear cylinder and that cylinder basically becomes an air pump, cooling the engine. I've only had it kick in a couple of times. And, if you don't like it, disable it. Very easy to do.
Regarding the ride - i almost bit the bullet on a Heritage, but went with the Road King because of the ride. The touring suspension on those bikes is something else. I'm a short girl, so I had mine lowered 1" in the rear (lowering blocks, no shock replacement) and the ride is STILL better than the Heritage. The Heritage is, by far, the most beautiful motorcycle that Harley makes. But, I do too many 500-mile days for that. LOL.
Personally, I think you did the best thing. If you really want a Harley, you WILL go back and evaluate different bikes, etc. if you don't, you truly did just save yourself a lot of money. You have to really want a HD to justify the purchase. Some people just aren't ready for that, and that's cool!