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Buying any bike second hand brings previous maintenance and internal condition into question. Two strokes can be rebuilt for a fraction of the cost of a four stroke which is one reason why some people still like them. Buying a four stroke second hand isn't something you should be scared of but it's important to get as much correct information from the seller as possible such as how the bike was ridden, what maintenance has been done and if anything has been rebuilt so you know what you're getting yourself into mechanically.
Big help, thanks mate
I am in the middle of a frame-up rebuild of my 2011 YZ125 this week. It's pretty cool that it doesn't cost all that much to do. All the bearings in the engine and chassis, suspension rebuild, chain, sprockets, etc. and I will be under $1500 for all of the parts (almost entirely OEM Yamaha). It's hard to do a 250F engine for $1500 even with low quality parts.
In my opinion, you're actually better off with the YZ125 even if you have an unlimited budget. The light weight bike with less torque will teach you to be a more efficient rider. A few years later, when you decide to move up to a larger bike, you will have some skills that the 250cc bike just won't teach you.
When you decide you need more, you can always rebuld your YZ125 with a 144cc kit.
but depends on your budget
reliable is subjective. the difference between 2 and 4 stroke is when a 2 stroke engine is needing rebuilt, the rings and piston wear out fast and so power loss is very noticable. so replacing the top end is regular thing ~$120 at about 15-20 hours
a 4 stroke doesnt have a noticable sound or power loss when its worn out. but if oil is kept fresh and not ridden hard, it can last for hours. but when it does need to be fixed it can be pricey. a top end in parts is about $200, but if you need valves, crank etc the price climbs. top end about 50 hours-bottom end 100 hours is possible,
Now as for my actual recommendation-YZ125 all the way!
I'd also mention that when doing a top end on a 4 stroke it's advisable to replace the timing chain.
4 strokes also need valve clearance checked occasionally. About as often as you'd do a top end on a 2 stroke.
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