Anons argue in comments
this post was submitted on 23 Feb 2025
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Bikes are only cheap if you rarely use them, or are just starting out. Spend enough time on them and you will start looking at all the gear, components, and upgrades that can improve your quality of life. There is definitely a point where insurance becomes necessary, but luckily even bike insurance is much less expensive than auto insurance.
Commuters ride cheap bikes. The most expensive stuff is usually your clothes, they are like Star Trek tech today.