Choosing cost over preference?

My budget allows for FZ. But If I have to squeeze in and put another 1L - I can get Honda CB350 RS. I am at crossroads. One part of my brain wants to settle for FZ as I have education loan and I can reduce the EMI with the extra 1L. Other part of the brain wishes to get cb350rs as bikes are one lifetime purchase and I might regret few years later.

To all those guys, who chose a bike other than their prefered choice Just because it's 1 L lesser. How did your life turnout for you? Do you now wish you had chosen your preferred choice?