Ok, so, I work at a shop tht carries Polar. Everyone that I have talked to said the biggest tool you can have/use in training for raceing is a Polar. More important than an XO rd, xtr crank, or fox 100 X. Polar. I am looking at 3 models, obviously in the header. Here's my dilemma: I'm afraid that if I buy the cheaper one (F6), not that anything is wrong with it, but I might want to upgrade in the future and having to buy a second hrm; I don't want to buy two. But, if I buy the more expensive one (725x), I won't have to worry about upgrading, plus it will have all the functions like altitude, distance, blah blah like a cycling comp. to boot. But, it's damn expensive! More than twice the amount of the last. I can't really afford that right now. And the cs200cad is nice, plus it has cadence, but, I'm scared about riding and crashing, and destroying the moniter head. Plus, I really like the watch better. Any suggestions? Polar only, please. I trust their company and their product, and choose to go with no-one else!