I'll throw this out -
Based on your guidelines below (you didn't mention what kind of bike) - I would consider a couple of things:
- First - decide how much you are willing to spend. This is important - many a build has come up short because of not budgeting enough money.
- Second - decide on what you will be spending the most of your time doing: cruising, touring, spirited riding or wanting to be "king of the hill".
- Third - consider FI - by the time you get a carb setup done a new performance build, the costs for carb vs.ECM/SW/tiuning are fairly close.
- Last - who's is available to do your work - Dealer or Indy, can they do all of the work or will they send part of it out? I say this because some shops don't do thier own machine work Builder vs the tuner on who goofed on what when your not happy.
As far as motors go, here is a basic rundown:
These are estimates based on my experience. I estimated approx $500 in the 95" builds for labor and about $300 for tuning / parts on your existing carb. If you go FI or change carbs completely, then add about $300 to $400 for either a new ECM, SERT or Power Commander or a new Carb
95" build - no headwork $2k Good for cruizing, touring, riding two up - basically just plain
fun.
95" build w/ headwork $3k to $5k Same as above, but more spirited. Grin factor goes way up
with the right combination
103" build $4.5k to $7k Good touring, cruizing. Can be a real hot street bike w/
right cams and headwork.
120" crate motor (motor only) $10k This definitely get you in th e"king of the hill" territory.
As far as reliability, all the options can be very reliable if they are built correctly by a qulified mechanicusing quality parts. Once the new motor is in, there are "other" items that will need to be looked at: beefing up suspension, possibly better quality drive belt, the list goes on especially when dealing with the higher end 103" and 120" options. But you knew this when you bought the bike in the first place and had to add the second part.....

My .02
Jim
Sign in the shop reads: "speed is a question of money - how much you got??? That ain't enough"