Teh RF sounds like it could be a great bike for you. But again it's all about riding smart.

In order to truly learn to ride smart I'd suggest a riders safety course that will (usually) take 10% off of your insurance costs as well as make the road a better place.

Just remember to stay a little bit humble when riding a bike because there is nothing between you and other cars and junk. Oh and put aside a little cash for some riding gear like helmet, jacket and gloves.