OP - as a husband and father I would strongly advise against buying a motorcycle. It's is simply not a risk worth taking. I'm sure you will see plenty of "I have been riding my whole life with no issues" comments or "as long as you are a safe rider you will be fine" but those anecdotes don't lessen the risk of serious injury or death at all.
I commute in rush hour every day as well and the number of terrible/distracted drivers out there is crazy. You are much more likely to go home to your wife and kids after experiencing an automobile accident than you would be if you were riding a motorcycle.
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