Great write up and a lot of my sentiments are the same.As this is the largest Bike I've had and coming from much heavier old Honda CX500s my 99 Curvy is a joy to ride.So easy to throw around and enough power for safe overtaking manoeuvres and good MPG etc.
I sometimes think I would like a 1,000c plus just for hell of it but as per OP's post the extra power would be wasted on me and the roads I like plus more expensive running costs.
I'm still loving the fantastic,"Engine Braking" which is a joy