The insurance on a nice street bike will cost you a pretty penny, especially since youre ~18. Another factor, tho not as significant, is that street bikes are a fair weather only vehicle, so id be kinda useless in the rain unless you dont mind getting wet. I also have this fear of motorcycles that stems back from when i flipped my cuz's a few years back, so i have negative feelings against them; never again will i ever get on a bike. So... if it were me, id totally get the swap over the bike/