thinking about tradingin my 2004 polaris 330 magnum. i was wanting something safer to ride. afraid of the engine braking. has 400 miles and about 5 months. still owe quite a bit, will i get ate up trying to trade it in. polaris has a $700 rebate right now. will they work with me seeing that i will be upside down. i would maybe like a manual or engine braking.