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All the input is appreciated, and helpful. While I would certainly love to take some classes and do some track days, it's just not in the budget right now.
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I'd like to point out unless you can aford to pay your bills from a hospital bed or have disablity insurance than you can't aford to ride over your head on the streets either.
I have found lately that riding mini super moto bikes on Kart tracks is a very afordable way to learn to ride fast. Once I started riding on the track I slowed way down on the street. Some trackdays are only $15 dollars and tires that are cheaper than big bikes and last most of the season.
One trackday will teach you more about riding than years of tooling around on the street.
I have been to the hospital and funerals of people that thought riding fast on the street was a good idea. I have done it and I'm glad I lived to tell others its a bad idea. I know I sound like your mother but trust me try to get on the track at least once. It will change your live.
I'm not sure where you live, if your near Michigan or Ohio(I ride there alot) your welcome to try out my mini (crf150R) during a trackday it would only cost you $15 or so depending on the track. I have a garage full of bikes and I ride my CRF150R more than any of them on ice, dirt and pavement.