I don't mean this in an aggressive or defensive way at all, but if you knew me, you'd know that I've done the research.
1. I was never an aggressive driver until I started driving a 3500lb, 120hp truck because I felt helpless any time I got trapped between cars or cut off on the interstate. I couldn't accelerate to get out of it. I wouldn't have this problem with a bike.
2. I've gotten quotes from progressive on about a dozen bikes I've considered. $113/year for the most expensive liability policy. <$500 for any of them for comprehensive.
3. Georgia has year-round biking. My friend has had his bike as his only mode of transportation for a year & a half now & says that he wears rain gear in the rain, pulls over if the rain gets too bad, & bundles up in winter. I do well with extreme temperatures.
4. I barely ever give people rides anyway. My truck gets ~20mpg & all my friends drive small fuel efficient cars. They're always more willing to drive than fork over twice as much money than it would cost if they drove. Also, my sister (who moves about twice a year) would NEVER ask me to help her move again. I always get guilt tripped into it by my mom. Not anymore!
5. With both wheels taken off, a mountain bike is no wider than a motorcycle with two saddle bags. I know a guy who can give me all the advice I need on how to safely transport my bike on my cycle. Also, my mom drives an SUV & my stepdad drives a pickup. So I can borrow them when available.
6. I'm about to join the military so girlfriends won't be an issue for a while. Not gonna tie myself down to home right before I give up all control of where I live.
If I do this & decide I hate it completely, I can give up my bike just as easily as I'm giving up my truck. I'm buying used so the value will stay about the same a month after I get it as the day I buy it. But I have this friend that honestly thinks exactly like me. It's like our minds were made by the same person. He loves mountain biking, kayaking, backpacking, & doing all the same stuff I like, & I don't think we've ever disagreed about anything in our lives. He gave up his 4Runner a year & a half ago & says he's never regretted it. Regret lasts longer than pain, & I know I'll regret it if I don't at least give this a shot. I appreciate all the advice though, & I hope I didn't come off as defensive in my response.