Can't give any authoritative reference to back this up, but I believe I once read somewhere that 90%+ of motorbike
collisions (as opposed to mad speeding bikers who just "wipe out" an empty road at 120mph) are deemed to have been caused by the other (car) driver — male or female. And I mean in terms of "natural justice", whatever about insurance-company-defined "liability". Unfortunately, that's not much help to the bikers. They're the ones who get creamed, either way...
I drove a series of bikes for 10 accident-free years, until I had kids. In retrospect, tbh, the move to four wheels wasn't
just because the child's buggy kept falling off the sidecar

— it also had something to do with a vague sense of new paternal responsibilities/urge to self-preservation. I've no medical experience, but my-cousin-the-(other)-Doctor used to refer grinningly to me and my kind as "donors"...
Put another way — I miss the bikes terribly, but I'd also be sh*tting myself if one of my kids one day turned around and announced they were getting one..!
And yet — to come back to the OP's question — there is no question but that for a daily commute to the city centre, two wheels makes buckets of sense. A moped/scooter would cost a pittance to run, save you
hours of weekly commuting time and — provided it's not lashing rain/freezing cold— can actually be a lot of fun! Just be careful. Get proper lessons. Buy good raingear. Make sure you wear clean underwear every day...
