Steve,
I'm assuming there is probably $1000-$1200 difference in the selling price of the two, but if money is not the determining factor, and assuming the mechanical condition is equal, definitely go with the '98!
However, I believe what you're asking us (yourself), is if the '95 would satisfy your needs.
If you're not looking to race, then the '95 will probably do all you ask of it, and even with a rebuild you'd have about the initial cost of the '98 invested.
If you are planning to race, then go with the '98. But remember, if the '98 has not been properly maintained,:( you could easily sink another thousand bucks getting everything up to snuff. :eek:
But this might still be the better deal if you are planning to race.
Since both bikes have new plastics, and probably graphics, they both should be attractive cosmetically, so this should not sway your decision.
Drill the sellers about the number of hours on the engine, repairs, rebuilds, and especially maintenance. Ride both bikes, hard, if you can. Make an informed decision based on the results. Don't buy just on emotion. We all, by nature, want the newest bike we can get.:)
If your decision is based on sound judgement, you'll be getting a great bike either way.
Good luck, and post pictures!