morph, there are couple of differences. The wheels are larger on the XP so the seat is higher. The XP has a square adjustable headlight where as the XF is a 'streetfighter' type that is not adjustable. The gearing is the same for both as most owners of XFs (like me) change the front and rear sprockets for street use. If your intent is for street riding, get the XF and check the posts here to make it more streetable. If you want dualsport, go with the XP and the only thing you'll probaly change is the exhaust.