I think a quad is probably not a good choice for the reasons stated above, including riding one on a highway particularly.
If you want to carry lots of kit, but still have that 'open air' feel, why not buy something like a jeep wrangler or a soft top land rover. You could probably get the former at least in the States. I'm afraid i've never owned a four wheel drive of any description so I don't know what the Wrangler is like but it might be an option.
I'd also suggest if you decide to go with the bike, get something bigger than an f650 for two up. Maybe a 1150 or 1200GS if you like BMWs. They would also be able to carry more gear.
Matt
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*Disclaimer* - I am not saying my bike is better than your bike. I am not saying my way is better than your way. I am not mocking your religion/politics/other belief system. When reading my post imagine me sitting behind a frothing pint of ale, smiling and offering you a bag of peanuts. This is the sentiment in which my post is made. Please accept it as such!
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