"I hope thats a little help, i am sure that "themontyshop" will have something to add too, and probably will not realy appreiciate me directing you away from monty bikes, but i hope i have provided some good honest non biased advice."
I would agree that a Monty 221 Kamel wouldn't be the bike for a beginner mainly due to it Price and Componentry that as an inexperienced rider i don't believe you will really need at this stage. I would advise the new 2009 Monty 220 which are due any day now priced at around the 999 for the full bike with the same frame geometry as the 221, this bike is quite capable of being used for competitions also so you would not need to upgrade any time soon.
Adam