Hi Mike,
Sorry to here of the roll over. I run a first generation Wolvy & If had to do over again would probably up to a second generation & spread the payments out longer. Parts for older units, in time will be faised out (example: EPI clutch springs). Ctate has good advise.
1) Detroite gearless would be great & pricy. Try dragging your front brake when in these situations.
2) All straight axle quads ride a little rougher & lousy ground clearance. Thats why you liked that big independent Sportsman. I dropped my teeth when I checked pricing on the Elka's & Works Performance.
3) 25 inch is the standard with the guys. I will up my 23 inchers once they wear out. Gets a little more ground clearance wich will help.
You can dump a ton of cash into a "used" unit. Thats why I suggested a new one thats auto, floorboards 2x4/4x4 selectable. Either way, glad to hear you didn't get hurt.