I have never ridden a bike but have been looking at bike's for almost a year. I got some friends with bike's so I know a lil' bit about em. I was thinking maybe getting a 600 F3 or F2. What would be a good bike for me? I would like to spend between 3 and 4k. Also how much can I expect to pay for insurance (only riding from May - October) and accesories such as helmet and gloves. Thanks.