OP bikes don't ahve to be expensive, they just become that way if you like it and have the disposable income.
bike: there are tons of bikes you can find in the $500-1000 range that are fine. I rode a ninja 500 2001 for 2.5 years. it cost me $1000. plastic was shattered and the seller didn't know how to deal with it, but hell, even someone lacking my skills could have just bolted on a new headlight and rode it ugly. it's ugly anyways. deals are there if you lurk and can barter.
a scooter is cheaper than TTC, faster, more fun. lets see: yamaha riva 180cc from the 80's $400-700. insurance $300/yr (scooter is stupid cheap), gas. pennies. gear? jacket $100 (joe rocket or alpinestars always have deals for 3 year old jackets) helmet: $100 bell vortex - snell2010 + dot. every bit as good as a $600 helmet in a crash. (don't let someone that overpaid for a helmet try to justify their purchase to you) as comfy or nice as my $700 carbon star? no. but perfectly fine! I own both. boots? on a scooter try work boots from marks. or heck, some icon shoes for $70.
do the math for a year of a scooter vs a year of TTC. the scooter costs the same. now look at year 2, all you need is gas and insurance.
ride a scooter for a bit then when you want a bike your insurance will be cheaper.