At 215 lbs. The 250 would have plenty of power to move you. I am much larger and rode a 250X for a year prior to getting a 450X. Hauled me around just fine.
The 2004 was known by some to have issues related to valves, so factor in the swapping of valves at some point to stainless steel.
Yamaha's don't hold value like a Honda, at least not on the West Coast. Unless it's a 2006 or newer, $ 2800 is not that good of a price.
I envy you...shopping for a new bike is better than Christmas.
