I disagree with everyone. If you want it, buy it. If you don't think you're gonna race it, then you won't. All sorts of people get all twisted up on thier first bikes, regardless of the size. Yes, you will get in much much much more trouble when that day comes if you're out there trying to be Mr. MotoGP on it. But, if you're just commuting and having some fun, it doesn't matter how fast it is.
I had the same dilema (although not for my first bike) and I rode both; I think Firebolts handle better, cost less, have more parts, are cheaper to insure, aren't as bulky, and sound 10x better. Every now and then I wish I had more power, but then again, I also go 140 on the freeway. So, to each their own.
For what its worth, the only reason I was between an 1125 and an XB was that the 1125 was water cooled and I had riden an XB in the summer before. The 1125 was just as hot to me.