Riding a motorcycle is a serious life decision. Your mother's concerns are warranted. You should always have a written will.
True, but getting maimed (especially if you end up never being able to expel body waste into anything other than a colostomy bag) or a brain injury leaving you one protein cell north of a vegetable, is usually a far bigger deal. Well..for the rider anyway..In case you do happen to get that unlucky, consider a 'living' will with a DNR clause in it also.
To OP, I respect your sentiments regarding getting your mother's approval. It's simple respect, and if you have been blessed with good, non-abusive parents, then no matter how old we get, we're always their kids and they always deserve our respect enough to show them that their input in significant decisions like this are not quickly dismissed.
IMO though, riding
anywhere near GTA increases your odds so much that every single ride that involves any type of intersection, you really are taking your life and putting it into some of the MOST incompetent hands behind steering wheels, there is. Your best defense to this, if GTA area (or any other built up city) is where you will often ride, is to be a very defensive (and know when to be aggressive also and get to hell away from certain jerks, as sometimes that is part of the survival-puzzle) rider/driver and be able to recognize the many extra scenarios of risk on two wheels vs 4. As an example, having any kind of confidence you've been
seen by other road abusers is a big difference in that regard. If you have never been involved in a crash (at fault or not) and you have driven many years/miles in the GTA area under lots of conditions including especially slippery winter conditions, then you have a HUGE advantage at being able to stay outta trouble and the time and miles to build experience on the bike. That would suggest skills that improve your odds a lot.
If you are a quite skilled road user with lots of experience and have managed to stay out of trouble, you could still be unlucky though, and get taken out in the first intersection you encounter with a left-turner or T-boner.. It's all odds..