I had a 07 Pred, ran good, but ball joints kept going, shredded the splines in rear hub, electrical problems replaced all the bearings and bushings on it before something in the motor went, i got rid of it.
My friend got a 05 Pred, he had the ball joint problem, but his one of the gear snapped and got stuck in rev, 1 month later the crank started going, so he got rid of his.
I heard of problems with the belts on the sportsmans, plus i didnt have luck or seen anyone with luck with one, so i rather steer clear of Polaris.
I'm buying a used 4x4, not going new at this point, looking to spend between 3500-4500 on one, or else i would go for a Renagade.