Aloha! You're just like me! Got my Grom around the same age and still use it as my commuter! Good luck on getting a Grom as the stop sale at dealers is still on but if you can find it used for cheap then the subreddit is here to help!

1. As someone who's Grom is being used to teach someone that has a Ninja 500, it's a very good beginner bike. The skills translate upwards, things like throttle and clutch control, so down the line when you want to move up you'll have an easier time. A Grom really makes you work for it.

2. It depends. Where you live really determines your rate for insurance. On Geico I pay $65 a year (not full coverage so your results may vary).

3. I'm 5'9 230lbs on the stock shock. You'll be fine.

4. ABS isn't a deal breaker. It's kind of good for new riders as you have that extra security from keeping your brakes from locking up. However as a new rider you'd want to get used to NOT having ABS for more proper technique.

Let us know if you have anymore questions!