I really wanted the F when I started looking at these bikes, and did a demo ride on the F. It was nice, but less wind protection than I was hoping for, and I could not get past the "Burgman Scooter" front end, so I bought a Red & Black, naked, ABS.
Ya, it can get a bit windy on the interstate, but I spend most of my time on 45-55 mph back roads these days. I have ridden for several hours on the interstate, and I will probably get a Puig or MRA windscreen to install before I do that again........and when I get home, I'll probably take it back off until the next time.
One thing I really enjoy about the naked is that the airflow is very smooth. I really hate the buffeting that some windscreens generate, it can be much more annoying than the "constant wind" on a naked. My FZ-1 generated a lot of buffeting until I trimmed the windscreen which reduced it, but it was always there to some extent..... Just my 2 cents
I'm sure you will be happy with either bike... I love mine!