Need Advice

I recently got this new obsession about bikes and I just cannot get my mind off of the BMW G310R. I was never a fan of bikes initially but after riding on my brother's RE Meteor 350 a few times, I can't deny that the experience is just something else. I've been using a scooty for travel since it's just more convenient and I already have a car. Please don't try to convince me to go with another model or start explaining the cons of this one. I've researched enough and I'm getting a used one for ₹1,55,000/- pre negotiation so it might go lower than that. Here's where things get tricky and I need your help - It's a 2019 model and third owner bike. It's been driven around 28,000km and the insurance and pollution is expired (I'll renew). Do you think this is a good deal? After negotiating, I might be able to bring it down to ₹1,40,000/- or something like that but is it still a good choice at that price point? The owner is saying service maintenance is done for the bike and it runs just like new but third owner with insurance expired looks like a red flag to me. You guys are the experts, please help me out here. If you think this is a bad deal, what do you think should be the accurate price for this and another bike in better condition? Thanks!