RE: Planning for long term ownership - 2

Maintenance yes but removing stuff to see if it is seized is just advancing the time you find the answer and what is the advantage in that?
Looked many times at my 2005 R1200ST and now, 40,000 miles I still wonder if the exhaust is stuck but I will find out when I need to.
IF it ain't broke why try to fix it?
Prior to new tyres I always remove the front wheel, clean the brakes, grease the spindle and apply loads of the grey (LM ?) grease to the bearings and clean rims/remove the balance weights.
Same for the rear wheel, try to change the bevel oil at same time, grease splines etc and give everything a good clean around the area but not "just in case" something is stuck.
Never taken panels off to clean, only when doing home service, changing alternater belt, air filter etc.
I do spary wd40 (other oils are available) into most areas and this gets wiped off at service time.

imo, the full exhaust doesn't gain you much. Checking brake and other maintenance items for replacement as needed is always a good idea.

for long term ownership, I would focus on comfort and utility items based on your type of riding style. (farkles) :)