Usefulness of a motorcycle has an all-season vehicle is very climate dependent. I know HN biases to the bay area where it might be possible. Out here, we get 14-18 feet of snow in an average winter. That motorbike is going to get you in the ditch for half the year. Especially when "plowed" after a big dump can mean single lane (for both directions) with a couple inches of slush or powder.
You are so lucky to live in a place that charges you < $15/month for insurance.
I live in Ontario and own a 150cc motorbike. Insurance: $129/month.
Wow, that's outrageous. 15$/mo is only for liability coverage. Since the potential damage caused by a motorbike is much less than a car so I thought it would be fairly cheap everywhere.