My 2 cents on this debate: your wife and child are more important than any motorcycle, and I am an admitted motorcycle junkie as well as a husband and Dad.
Life is about choices and deciding to be a husband and a Dad will involve sacrifice.
Sell your gasser and buy a Zero or forget about it. Work overtime or save the money, don't finance it.
Put your wife and kid's future first and pay for your motorcycle addiction with cash.
I had a Zero DS as my only motorcycle for a season and it satisfied 90% of my motorcycle needs and desires and a year later I added a cheap gasser to the stable with cash for the rest.
There are always deals to find on Zeros if you are patient and have cash. Your wife should outlast any motorcycle you buy so don't fight her on it.
My 2 cents, full face value.
can support this in the other direction
I own a 1971 DJ5B (postal jeep), and I'll never get rid of it because it's awesome
for the family car, it's always been whatever fit well... silverado, olds delta 88, and the one vehicle my wife agreed to buy new. a 2010 wrangler 4 door. everybody fit, it was offroadable, kids loved it, went on many fishing trips with everybody along for the ride, just a really nice all around family vehicle.
after our 4th child was born, not enough seats... bought an old mark 3 van, and the new jeep just became my work/play vehicle, and got reduced to "toy" status. at $30K, getting 11mpg, on $1,500 tires, it was just no longer reasonable, not for a "toy status" vehicle, so I traded it for a zero. Still pretty fun, but with trade, reduction of insurance, and gas, that thing is paying me. I ride it everywhere. rain, desert windstorms, triple digit heat... bring it on... every mile puts more money in the budget
occasionally, I miss my jeep, but I still have the old one, and I can afford college for the oldest
maybe when she's left and off on her own the van can get traded for something fun again, but for now, I'm not paying for gas, and my wife and kids are worth it