Leo (and others),
You are correct about my limited experience with the XS650. This is my first. I am pretty competent with bikes as a whole (this is probably #20 for me), and am pretty mechanically able. I'm not afraid to jump into things that will require some work, but the biggest thing for me is cost. I don't have a mill or lathe, and don't want to get a bunch of money into custom spacers, brackets, etc. I don't mind fabbing a seat bracket or modifying most things, but when it comes to wheels, it really needs to be exact. That's why I was looking for as close to bolt up as possible, and why info like you provided before is so valuable. I'm learning every day as I mess with my XS and browse MANY threads on this site.
Thanks to all who contribute!