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The motorcycle will cost about 35 cents a mile to operate and the 250 engine will last 100k miles if you treat it well. The 2009-2010 is geared one tooth higher than the older bikes and is tuned for a bit more mid-range torque. The Ninja is in high demand and commands top dollar these days. For commuting vs sport riding consider a crusier and add your own fairing. A 125cc Kawasaki Eliminator gets 95 mpg stock for less than $3000 and a Yamaha Rifle style full body fairing from Craig Vetter is about $1000 plus shipping.
The weather in SW Pa is fairly mild most of the year but wet snow and cold rain can result in hypothermia without adequate protection. Get hold of a wind chill chart.
You are about as safe on a motorcycle with a helmet and back plate as the Amish are in their buggies. There are plenty of things you can do to prevent an accident by being alert, using lights, and your horn. You might even consider small touring bars, extra lights, and an inertia reel lap belt.
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