I've ridden various capacity bikes for some 35 years. Present bike is 916cc.
I agree if you are confident on a little bike/scooter you shouldn't get pushed around. Likewise I wouldn't see an experienced rider is any more at risk on a small bike rather than a large one.
Accidents involving small bikes? I reckon this is a bit of a red herring. I suspect the higher accident rate is more likely to be due to the inexperience of the rider who happens to be mounted on a small bike. Many of the young people I know who have small bikes/scooters only have them until they can afford a car. Most have had little or no training and have no real experience of using the road as a motorcyclist or driver.
As Meic said a big bike won't save you money. You'll go through tyres at a silly rate compared to a car and good bike tyres are not cheap. Big bikes are not particularly fuel efficient.They are costly to service and repair.
I used a 250 MZ two stroke for commuting. Cost 2nd hand £250, insurance (added to my big bike cover) £10. 1000cc bike £9K. Insurance £300+. Tyres on the bigun lasted 3500-4000 miles. On the littleun I think about 12K but bought a second bike for £50 so used tryes and bits off it. Sold the littleun for £250 after 5 years ownership. Bigun px after 3.5yrs £3,600. The insurance excess on the big bike was by coincidence £250. I rode the little bike in all weathers all year round.
There was no direct access when I learned to ride, the limit then was 250cc. Ah the smell of the two stroke from my KH250
Go for direct access. Get the experience but buy a bike which suits your needs, don't cave in to sales pressure.
As for little bikes being slow my wifes Aprillia Sport Pro could do a ton with ease. Sounded like a wasp in a jar but handled like it was on rails.

- bikes,sport pro.jpg (31.46 KiB) Viewed 337 times
Notice L plate beneath registration plate.Great fun
