Welcome Thudpucker to the forum.
What kind of riding are you planning on doing? If you plan on just cruising the streets, the fat street tires are the way to go but make sure you have a good set of tires. It's the only thing between you and the road and spending a few extra bucks now can save you a trip to the ER.
If you want to be quiet and cruise around at a decent speed, a 4 stroke would be the way to go and like you said its not as messy filling up.
However if you're looking for speed, a quality 2 stroke is the way to go. I went thru a chinese HT before I upgraded to a Morini. My HT ran great after I replaced the piston bushing with a quality wristpin bearing from a bluebird motor. I've seen a few HT motors with the piston bearing blow up and destory the motor.
I'm a firm believer in spend the extra money now on quality and it will save you money and headaches in the long run.
One more thing before I jump off my soapbox....lol
Please check out the thread on front fenders 101.
So with that...Welcome and enjoy the madness!