Ha I've been questioning riding for a couple of years now.
Normal...I question it all the time...whether after an incident (near miss with deer last year), financial reasons (insurance can be bonkers), etc..
How much did you insure your 650 for?
My Silverwing cost me $996 for $1 mil liability, license, and registration through ICBC, and $250 for comprehensive and collision coverage from a private insurer.
good lord that's a fortune.
i know it was a long time ago, but one of the reasons i bought a scooter when i was 16 was insurance costs...full coverage...new rider...Honda Elite 250 (it was only about 6 months old, so practically brand new)...$80/year...even a few years ago when i went to Oakville to potentially buy that '76 Honda CB400F i was looking at (fully restored, mint condition), it was only about $350/year.
we seriously get boned for insurance in Canada...it's SOOOOOOO much cheaper in the US.