"Simple minded" = not very clever! A better phrase might be "if you live simply/cheaply". It's just a small translation thing - don't worry about it. I think we understood your meaning, it just sounded funny:-)
Your point is valid, but you are in the lucky (?) position of being retired, where trip duration is less of an issue.
As far as the o/p is concerned: You could do quite a lot in 3 months in south america, and as the road system is well developed, you actually have to go out of your way to find tough going/dirt roads, except Ruta 40 in Argentina, some parts of Bolivia, and backroads in Brasil and good tyres will cope with most of these before you need a 120kg enduro steed - bike size depends more on what you own already! Flying it in/out, or at least shipping in some form, is still necessary until they build that 2 lane blacktop through the Darien Gap!
Enjoy the planning process, it's part of the fun.
Ride safe,
Simon
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