Hey Jen! Welcome to the forum!
A lot of good advice in this thread already, especially Meridians (if there was ever a post explaining EXACTLY why a newer rider should not buy an FZ-09, that is it).
If you are set on a new bike, I'd point you towards the new Honda CB500X based on what you've said. It's upright, has a more comfortable seat than the FZ, has a torquey parallel twin engine, decent wind protection, averages 53mpg, and weighs 400lbs - maybe the perfect bike for cruising at 45mph! Plus I believe they are a grand or two less than the Yamaha, at least they are here in Canada.
Regardless of what you choose, gear up and take your time getting to know the new bike.