My own experience tells me that if you come to motorbikes when you are a bit older (over 30) and with a good deal of road sense already that it's less likely that you will bin the bike.
Many people come to bikes for the thrill and the thrill comes from pushing the envelope a bit. If there was no risk there would be no thrill.
So the question is what would you like to get from your bike?
1/ An economic mode of transport that lets you feel at one with the elements?
2/ A fast accelerating piece of metal upon which much fun can be had?
Bear in mind that (statistically) people who buy performance cars crash more often than people who buy family stationwagons simply because of the reason they bought them - if you drive/ride at the edge of your ability then it will probably go wrong at some point. The consequences of getting it wrong on a motorbike however are almost always worse than when you get it wrong in a Nissan Skyline.
In space, no one can smell your fart.
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