I guess what it really boils down to is how much can you honestly afford? Or another way to look at it is how much can you afford to lose. If you buy the non CVO Ultra your going to spend a ton of money on chrome and other goodies yet when you turn around and sell it the resale value is based on the standard bike. All of the chrome, and other installs are not factored in. Of course we all think our bike is worth a heck of alot more than the ridiculous amount that is shown, but that's what the lending institutions work off of. They could care less what you've squandered (their opinion, not mine!) your hard earned money on. Now as to the CVO, you're going to pay a huge chunk of change right up front, but you've got virtually everything you've ever wanted and then some. There is still plenty of room to make it uniquely your own. The nice part of all this is when it comes time to sell, you'll get a much higher value based on the fact it's a CVO. Having said that it is still possible to get upside down with a CVO as well. Don't get in over your head if that is a factor, but if you can afford it, you can't go wrong with the CVO.
Brett