I'd also hasten to add that I'm not all about the math on issues like this. If I were, I'd already have a motorcycle myself. I had a brief riding history myself back in the late 70s when I was in high school. When my dad found out what I was up to, he forced me to sit down and talk with one of his tennis buddies who happens to be an orthopaedic surgeon. Alas, his stories, doubtlessly embellished at my dad's request, cured me forever of the motorcycle urge.
I'm not sure that there's any analytically valid way to account for such things, except for considering it an on/off condition. For me, I'd just not consider a bike, but again, that's just me.
I was at the local Toyota store a few days back waiting for a rep, and was eyeballing the stock (as I always do). Not surprisingly, they had a very large crop of Yarises (Yari???). I noticed that while almost all of the rest of the current Toyota line comes standard with side curtain airbags, the Yari does not. Not one of the dozen or so cars out there had them. That would be a total deal-breaking, non-starter for me (remember, I'd probably have died back in 2003 had my '02 Camry not had them).
I don't care how big or small a vehicle is -- no side curtains, and I won't buy it, no matter the price.