Congradulations!Looks like your questions were answered,but as far as loading I just ride up the ramp.But pushing up a ATV ramp is good advice,if you arent carefull riding up the ramp you can bend the bed of the truck,break your back window or miss the ramp.I even had the ramp come out from under me and ended up side down!As far as seat height you can cut your sub frame and remove 10mm or so,but it would be easier to cut you seat foam down a little with a electric carving knive and sand it smooth with sand paper.Im the same height and cant touch flat footed,but your really not going to on a full size bike,youll get used to it.I dont like my bike to idle,doesnt suit my riding style,.But the fly wheel weight will help with the stalling if thats why you want an idle,throttle and clutch control will come in time and you may not want an idle then.A reed spacer (moose makes them) woul be agood idea to and cheap.Respect the bike but dont let it intimidate you and take your time learing the bike and how to ride,dont go over your head.The more you spend time on the bike (even in the garage on the stand) the more comfortable youll get with it,have fun!