First off wear full gear AT ALL TIMES no matter what you end up getting!
get on a bike forum such as
Gixxer.com, NOW. and let them school you the right way over there. Your knowledge is not enough to buy a bike. You mentioned lowering springs lol, only POSERS lower sportbikes, it ruins your handling when you lower a bike. Plus do you see spring anywhere on the front forks? they are internal with oil etc... you cant just get lowering springs like you do with a car..... BTW dont ever lower your bike
I would suggest you get a ninja 250 just to screw around on. You can find them used easy and when you re-sell them you will probably only lose a couple hundred bucks. The skills and knowledge that you will learn on that thing are INVALUABLE!
BTW: every rider crashes at some point. So you can pretty much accept the fact that one day you will crash with that bike....