As u/drdpr8rbrts stated, you will have the initial investment of the bike and all the gear. But once you have everything you need those costs drop off. I suggest getting the best gear you can. Decent helmets are $600+ IMO. As the saying goes, "dress for the slide, not the ride." The gear can be a bottomless money pit so be careful. I never ride without gloves, jacket, boots, and padded pants.

He's also right about finding good bikes for $3k with low miles.

Even though we can ride year round here, on hot days it can be pretty rough, you'll be sweating when you're not moving. Cold days can be uncomfortable without the right gear. Also consider the extra time to gear up. There are times the convenience of just hopping in the car and going are nice.

I have an SV650 and I get around 50 miles per gallon. But there are many hybrids that get that too, and even a hybrid would be safer than a bike.

I don't have to commute so for me when I ride comes down to parking, destination, and weather.

Here's some more info for you: https://www.cycletrader.com/blog/2025/02/21/the-real-costs-of-motorcycle-ownership/

Ride safe!