Keep the Harley, it won't really depreciate any more, unless you let it rot. You can still sell it at any time to bail yourself out if the money jam gets deeper. Liability for a 900R Ninja here in Dallas/Ft Worth is like 50-70 dollars a year, it couldn't be that much more on a Hugger in Biloxi, could it?

Buy a used bike for a couple hundred taken out of the sales price of the car, and ride it except on days when you can't ride it, then take the Sporty. Put your spare change and single dollars away and don't touch them. When things get better, buy a new bicycle as a victory celebration.

It's pretty hard to convince your wife you're out to save money and buy a new bike at the same time.