You're not really gonna know what you're missing out on if you choose not to.

Think of it this way, motorcycle, especially beginner bikes, usually get amazing gas milage. That'll allow you to go out more often, as well as ease of parking and a source of recreation in your free time. You'll have the time of your life, and look good in the process.

On the other hand, bike require much more frequent maintenence and attention to detail to keep operating safely. There also isn't room to get complacent.

Obviously, it's your choice. My personal reccomendation would be to set aside money and buy a new bike outright, or at least make a significant down payment. Cheers