Dude, sounds like you live in a dangerous place if your garage has been taken out twice. From all the frame breakages that I have seen, they were all collision induced. I haven't heard of anyone just riding around and have the frame come apart. My bike does fit into that category of years that the problems were had by Suzuki though. I try not to worry about what could happen, I think there are many more possible situations that could arise riding on the street than the frame just falling apart.
BTW, get the Guzzi out of the list you supplied. Something different at least. I would love to own one someday.
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