Talk you out of getting a motorcycle?
Riding a motorcycle poses a substantially greater risk of death and dismemberment than driving a car. On a per-mile basis, the risk of death is about 20 times greater. I don’t know the relative risk for grievous bodily injury, but I bet it’s much more than 20, given the ease with which you can be injured in a motorcycle crash (compared to a car crash). Take a long, painfully honest look at your driving history. Do you find yourself getting surprised a lot, having to hit the brakes or swerve a lot because someone else did something you weren’t expecting and you were in a bad spot for it? Do you screw up on a regular basis, and rely on other people to pay attention and dodge you? Every time that happens, it’s essentially a roll of the dice; if it happens often enough, eventually you’re going to crash. Bottom line? If you’re an “average” driver, then I think riding a motorcycle is a scary-hazardous proposition.
You’ve specifically stated that commuting is one of your primary purposes for riding. Commuting miles are relatively risky. Traffic is dense, other drivers are bleary-eyed because they got up earlier than they would have liked, they’re in a hurry because they’re running late, they’re impatient because they’ve got a long way to go, and they’re not paying full attention to the driving task because they’re drinking coffee, making phone calls, and/or masturbating, possibly all at the same time.
If you’re safety minded, you’re going to spend a significant chunk of cash on ridng gear: expect to pay $1500 for a good armored riding suit, gloves, helmet, and boots. Pay a premium for a motorcycle with anti-lock brakes; many accidents are caused by riders who braked timidly for fear of locking up the wheels. Chances are this will be a bigger motorcycle with sub-optimal fuel economy (my bike is a BMW R1200RT; it gets about 43 MPG). You’ll want to use sport-touring tires, which give pretty good traction but don’t last as long as touring tires; they’ll last maybe 7,000 miles, at which point you can expect to pay a dealer $500 to install a new set for you (if you have the space/tools/aptitude for DIY, you can buy tires on the internet for $320 a set and install them yourself).
Bottom line? Riding is cheaper than driving - but not by much, unless you’re prepared to cut corners on safety by buying a well-used Ninja250, fitting it with hard touring tires, and riding it with minimal gear (a cheap half-helmet). It’s substantially riskier than driving, unless you’re innately hypervigilant and work hard to develop/maintain your riding skills.
That’s my perspective as a veteran rider with 14 years and 170,000 miles of riding experience. If you insist on getting into it, here’s my advice from a thread last year.