well my first thing was he may not be riding every day, ha. but yeah generally it is recommended to have it all. except.. i can’t even afford an apartment. i have been struggling since hs grad because i can’t really afford to live in my area. i still have a motorcycle i bring out some seasons and since i can’t afford anything other than base coverage, and i ride an 85 454 ltd (and very responsibly at that) i don’t need full coverage.
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personally, the way i ride, there is a 0% chance of me injuring someone. there are so few
zones with even the possibility of pedestrians, and i never speed or show off. i don’t go too slow, either, i keep with the flow of the area the best i can. when i ride, i do always pay enough attention to never hit something. i’ve been in many, many sketchy situations but have never had even a mild moment of stress because i always had multiple plans. from semis not seeing me and creeping up to the bumper of the car in front of (me but they don’t see me) them, to random lane changes, aggressive drivers (passed on the right by an f350 with a 6” shoulder and oncoming traffic for no reason, the only warning being the sudden roar behind me from the downshift).
sure it’s not recommendable. but to say it’s always irresponsible is foolish. i plan to keep my perfect record forever, through extreme vigilance, the ability to manipulate traffic, and good sight and hearing. if any should fade, i stop riding, simple as that.