Motorcycles have all the protection of a bicycle, but go ten times faster. If you're planning on using this bike for regular transportation, it might be a good idea to factor in the medical costs of a bad crash.
Very few motorcycles will do 250mph, and 25mph on a bike is fairly common for an in shape cyclist.
I'd argue the counter point: Riding a bicycle is slightly terrifying and naked feeling when used to riding in the nearest thing most people will come to proper plate armor. I do it anyway, but I've hurt myself a whole lot more crashing bicycles than crashing motorcycles.
Most motorcycle crashes are low speed, and gear works wonders at low speed to keep you more or less unharmed and able to get up and curse.
Now, if you ride like most Harley owners in a do-rag, tshirt, and shorts, yeah, crashes suck. But a full face helmet, good riding jacket/gloves, proper riding pants, and good boots, means you walk away from the vast majority of motorcycle crashes with very little injury. And it beats the crap out of crashing in shorts, a tshirt, and a bicycle helmet.
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As for getting a motorcycle to save money: You won't. Not unless you sell the car. And probably not even then.
- Gear. Good gear is expensive. Good gear costs a lot less than skin grafts. And is less painful.
- Maintenance. Unless you're doing it all yourself, motorcycle maintenance can be somewhat expensive.
- Tires. You go through them quickly. 10k miles for a $300 set of tires is doing pretty good.
- Excess riding. Very few people get up on a sunny Saturday and put 300 miles on their car, just because it's a beautiful day. I know a lot of riders who do that.
- Fuel. Most motorcycles need premium. Most motorcycles don't come close to rated mileage unless you're doing 44-55mph on back roads with no wind.
Now, that said, motorcycles are a whole lot cheaper than a therapist. I love riding. But I don't pretend it saves me money. People used to ask how much I saved riding a sportbike as my commuter to work, and I'd just laugh - it was 2-3x more expensive than driving my car, all told. Probably more if I counted "trips I wouldn't have made with my car but took a motorcycle on." But still totally worth it. :)