I'm curious as to how much difference 20 cc actually makes.
I'm 215lbs which for my height and frame is about right....but it makes me 15lbs over the rated limit of the 90 and if I'm cruising a country road that has any level of hill at all, she's not going to maintain speed WOT...I've got to let it loose the 45 and when it gets down low enough I'm grabbing 3rd gear....that's fine if there's not any cars behind me, but if I find myself holding up traffic then I immediately get that 'moped' feeling on the back of my neck.

I love my 90...it's very enjoyable on back roads at 35  and it does all I want to do on trails....probably will never have the funds to buy a 110 and the wife is dead set against a "real motorcycle"  (I know..)..anyway, she likes my lil bike and knows I'm not out there chasing traffic with it.

but to that point, she'd never know if I swapped a Lifan..but I believe that would mean loosing my dual tranny?   and since I'm about 50/50 street/trail, I'm likely going to have to make the best of my existing bike and with only about 8k miles on it, I'll best leave it as is.