I also got an 11kW model (don't worry, they're no slower than the unrestricted models except for the top speed is limited to 86 instead of 98) as I'm on L's. I was also looking at used models but they only started making the 11kW ones in 2019 (2020 for the FX and FXS) so that 2018 FXS would require at least an A2 licence. I ended up with an ex-demo (just over 100 miles) 2019 7.2 DS for £8.5k. This was in November so it would be a good idea to wait at least until then as that'll be around when dealers start getting rid of their demo bikes (they said they have to even though the 2020s aren't really any different). Around the same time will be when the 2021 models, and any changes they may have, will be announced.
All the dealers I spoke to about getting a 2020 model said it would be January at the earliest that I could get one, even though they had been available to order for a couple months that's just how long it takes for them to get shipped over and then registered.
The only insurance company I found that had the 11kW models listed to get quotes on was Lexham, think it's around £500-600 per year (not including extras like leather and helmet cover, medical cover, legal cover) and only something like £100-150 more than it cost me for my 125 the previous year. That's with 1 years NCB, they did me a massive favour and let me take out the policy a few weeks before the year was up and then retroactively applied the discount once I had the details from my old insurer so I highly recommend them.