Like you, I was also sick ... until I saw several friends dying, specially outside of USA. I also got myself in trouble twice because that. But God is powerful, and even though they pointed a gun on my face, I'm right now here writing this post.The mentality of pay pay pay pay...insurance, lawyers etc and just let the thieves, muggers, rapists and killers have whatever they want makes me sick.....
Bottom line, unless is NOT wife, dog or cat, lol ... take it and good luck. Perfect excuse to get a different or new bike.
;-)