If I were you, I wouldn't count out the bikes in the 600-800 range. You might be able to take some foam off the seats, lower the bike, etc. What's your inseam? I have a 30" inseam and have lots of leg to spare on the S40.
Wish I could give you an idea of cost-I'm just now starting to consider mods for the new bike to get it to "my size". It's a Road King I can't flatfoot, but I'm securely on the balls of my feet. A completely different seat (narrower) would run about $300; the low profile shocks would be $250, but would also change the handling.
The seat on the S40 is already pretty narrow, and I didn't feel like it was that much taller than the GZ, just longer. IIRC, the V-Stars had a lower seat height than the S40.
2008 Suzuki S40-for sale
2007 Road King-waiting until mid-May