The days of a motorcycle being a cheap form of transport are gone.
However, there are things you can do to help yourself.
Don't buy a highly strung bike like an NSR250 - maintenance will be horrendous.
If you are concerned about maintenance, and don't have to go as fast as possible, do yourself a favour and buy a reasonably modern single or twin.
Learn how to adjust your chain yourself. Oil it regularly. Learn how to change your oil, and again, do it regularly. Likewise plugs, air and oil filters. These are the main things you will get serviced anyway when you put it in to the shop, and learning how to do these things can save you hundreds.
If you are mechanically inclined, buy a Haynes manual, or better yet, download a pdf off one of the myriad websites that have them. There is a thread somewhere on kiwibiker about it - search for it.
You have an internet connection obviously - do your research - look for what bikes are easy to maintain and are reliable. Find out what the weaknesses are in the bikes your are looking at (they ALL have weaknesses) and decide whether you feel confident in remedying these weaknesses.
As for tyres - yes, tyres may last 5,000 kms. But if you really don't need race tyre grip go the sport/touring option - you can get nearly 15,000 kms on some tyres - a D205 Sportmax which many people rubbish lasted me 15,000 on my last bike - a 110 HP 750cc sport bike - and it hardly ever gave me grief - so really research what you need and buy accordingly.
Basically the faster and sportier the bike the more you have to be prepared to pay in consumables.
But you don't have to win the stop light race to enjoy motorcycling. As you are still looking for a bike I would steer you away from a CBR or NSR - the fairings alone on these can be a nightmare if you drop the bike (which you will - especially if you are looking at learning to ride over winter).
Start with a naked - as I recommended on another thread the VTR250 Spada is an excellent choice - learn to ride, get really good at it and then look at something fancy.
You don't have to have a really fast bike to make people on big bikes look daft. Ask Velox - she gave me a real lesson on Rimutaka hill a couple of months back on her 250 Jade...
And I to my motorcycle parked like the soul of the junkyard. Restored, a bicycle fleshed with power, and tore off. Up Highway 106 continually drunk on the wind in my mouth. Wringing the handlebar for speed, wild to be wreckage forever.
- James Dickey, Cherrylog Road.
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