Considering a motorcycle to be a toy is a generalization. It is frequently not true. Living in an area without snow and ice certainly helps the practicality. I do have one that IS a toy, a 2004 that only shows 2100 miles - most of those on a race track.
I ride my BMW R1200RT about 40% of the total miles I drive. It gets 45mpg, 50mpg on a trip. It holds more than 7 gallons of gas. It gets thru traffic and allows use of the car pool lane when traffic is heavy. With an electrically adjustable windshield it allows protection when it is cold outside or cool airflow when it is warm. With the rear bag attached, it will hold a fairly full cart of groceries. I regularly visit customers that make me money that I couldn't justify in a car. Going to one customer in downtown in a car would add 2 hours driving time and $30 in parking fees. Some of my work requires a small truck and some requires a large truck. I use those when they are appropriate for the job. The motorcycle makes far more sense for many uses than driving the big truck to only haul me.
The financing on the RT is at 0.9%. If you are buying a toy, I agree with the poster about not suggesting financing a toy.
