Don't buy motorbikes. It is only a matter of time that you will fall from it or hit something. Unlike a car, the crumple zone on a bike IS YOU. I've seen enough mangled dead bikers in the hospital morgue to put me off ever owning one. Bikers lose to everything, even a small rock or some oil on the road. Don't do it.
Life is about maganging risk. If you are that risk adverse, more power to you. I know I will die regardless so i will enjoy my weekend bike and camping trips with friends. Beats sitting inside on the computer just wasting my life away. However, i do manage the risk with good gear, training and maintance.