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OP hasn't been on the forum since almost a year ago, but I will weigh in here.I've thought a lot about a motorcycle as a cheaper alternative to a car. But I can't get over the impression it's just a matter of when I'll have to lay it down and die.
Been riding, off & on, for about 40 years - haven't been though since about 12 years ago when I started having heart problems (but didn't know it then - I just knew I had serious stamina issues).
Not counting riding off-road, I've been "down" about half a dozen times - several of those were at speed. Worst was crashing - due to a tank slapper induced by a slick road - at 80 MPH. I never rode to save $, it was always for fun.
I sold my Ducati about 13 years ago because I was having too much fun going 100+ MPH in traffic, and riding the back roads I felt that someday I would either kill myself, or I would hit somebody pulling out of a driveway, or hit a deer, or something. Also, I had bought my Husaberg and riding off-road was a lot more fun and less dangerous (if I didn't have a heart attack) so I wasn't riding my Ducati anymore.
Riding off-road, I don't think there was a single ride were I did not lay the bike down - but it was always at slow speed in the woods, on a trail - so at most, I might have a bruise. Hit my head on a tree a few times, but I had good gear.
Anyway, after crashing a dual sport back in '96 and dropping it on my foot (I was showing off popping a wheelie) and crushing my foot (broke many of the bones), I started wearing proper gear, which was a good thing as it saved my skin a few more times - especially when I had the tank slapper.
Always assume you are going to crash, for one reason or another. For me, it was usually my own stupidity. But I did have a pickup bump me out of my lane once, but I wasn't hurt, just pissed off.
Riding a bicycle was worse than a motorcycle and I used to ride bicycles a lot. There are enough car drivers who hate bicyclists that it just got too dangerous and I gave my bicycle to my brother. I've had people throw bottles at me, literally get into fights, dogs chase me and so on. With a motorcycle, at least I had the ability to try to outrun them, and there was little to no speed difference.
So...