Jim, can you shere which lowering kit you choose (and where did you get it) ?
Keog: I'm 5'9", 32" inseam and i think it fits me perfectly. You might want to play little with handlebars (eventually put risers) but it's up to you and your ergonomics
About first bike... probably most guys on the forum won't agree with me. I think it's not a good first bike. It have a lot of power (all FZs have and its very tempting to use it) and sensitive throttle (at least mine have) - small change on wrist and you can scare yourself on the turn.
I've choose FZ because of ergonomics not power. Power wise I would be fine on ninja500 on twisty goat trials I'm riding and it would leave me enough power to ride safe on US highways.
I would suggest checking out smaller bikes (ie. ninja 250 or 500) as they are more forgiving and you will learn
FASTER on smaller bike - just give it a second thought. Then choose bike which gives you tickling sensation in your bum whatever that be :thumbup: