I am 42 and have never owned a motorcycle but, like the OP, have often thought about.
The reasons I still don't own one (and probably never will):
1. It's just another expense. I'm a pretty frugal person...yes, having a bike could
save me money in ways (way cheaper to drive back and forth to work, or anywhere else, than my ol' pickup) - but it's still something that needs to be insured, maintained, etc. And I'm not exactly in the highest tax bracket at the moment...
2. A close friend was killed nearly seven years ago. I'm not surprised in general that a lot of people die in motorcycle accidents, but I
was surprised in the case of this particular person - not that he died in the accident, but that he had the accident to begin with. Because I know that he was a very cautious person and not the type to "hot dog" or show off, and he still ended up dead (took a hard corner a bit too fast, hit the ditch...game over.)
3. I could be the safest motorcyclist in the world, but that's not necessarily gonna prevent me from being killed by an idiot. Especially in this day and age - here in Canada, or at least the province I live in (and, I'm surmising, probably the rest of the world) distracted driving has surpassed impaired driving as the leading cause of traffic fatalities. I can just see myself heading towards a red or yellow light, slowing for the stop - only to be plowed into from behind by some idiot in a car or pickup who just
had to be on their phone at that particular moment.
My two cents...