Exactly, amirite? I'm sitting at $440 and I've technically still only got my "learners" license here. The extra performance isn't worth the penalty. I had a buddy say that every R is $1000 in insurance and I feel like this bike is a bargain for what you get. What a machine to ride. I've put 175 miles on in the past 2 days and it's unreal fun.
I agree, you get the unique opportunity to learn on a very capable out of the box motorcycle.
Train, train, train would be my advice to any new rider.
Train today, so you don't die or bleed tomorrow and discourage the new generations from riding motorcycles.
You represent a very small portion of the population simply by riding a motorcycle.
Discounts are available with the insurance companies for certain rider training programs(MSF stateside).
In full disclosure, I have issues with parts the MSF curriculum(slow, look, lean, and roll).
I trail brake on the street. Track too for the most part.
If there is no discount for a program, you should do parking lot practice drills anyway.
Motojitsu is a youtube channel I would recommend, his drills are pretty good.
If you can't do the white belt drills, stay in the lot until you can IMHO.
I would also highly recommend that you do YCRS Champ School. It is 50-100 bucks depending on how much they are discounting at the moment.
I get decent rates on insurance because I am a grey beard with a lot of vehicles/motorcycles and lot of time with the insurer.
Youngsters like you tend to drive rates up(not pointing at you specifically), so the demographic needs to learn to quit crashing!
Gear and training is a much better initial investment than the exhaust/flash/suspension/brakes, etc.
Do a track day or two if you really want to become a better street rider.