One problem I have with your numbers is that you didn't include ANY cost for insurance for the car. So you're penalizing the motorcycle for $300/year insurance (everything but collision on my Yamaha FJ1200 cost about $230 the last year I was riding it (admittedly a few years ago) but the state-required liability was just $60/year. Do you feel it's unnecessary to insure a car but it's a must with a motorcycle, or are you just skewing the numbers to support your point?