First of all, All banshees are money pits!
that said if I had it to do over again I would get the newer one and add your bolt ons rather than fixing someone elses bike. I bought mine used and it had been ridden hard and put away wet, I have spent almost what I paid originally to grt her running right again. Its been fun but also stressfull.
Get the 05 and spen the money on what you want for extras!