I call it a sport-touring bike. The wife calls it a crotch-rocket. I never liked that term. For the US I don't think naked applies to the FZ. When I think naked I think of bikes like the Monster or the Speed Triple, ie: no fairing at all.
I guess you could call it a standard too, however I think more of a traditional Japanese bike, like the old, GS, CB, KZ, XS, etc.
All I know is I really love my FZ because it does it all, tour, commute and track, all while looking damn good! :thumbup: