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Monsters are better built and will last longer than the ER6, dealers will charge to maintain the bike but as has been said above, the 2 valve monsters are easy to maintain at home at very little cost and there are plenty of good independent shops that will do it for you if you would rather.
As you want to commute occasionally a fly screen would be beneficial.
620 is fine as a first bike but you will probably want more power at some stage. 696 is a good bike, the 800 is also suitable and has plenty of go. Anything bigger is probably too much for a first bike, insurance would be difficult / expensive and the available power can get you into trouble very quickly.
A slightly older monster has the benefit of not depreciating as well :-)
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