It is a viable concern. I had my first bike at 18 in high school and don't know how I lived thru the first 12k miles I put on it in 6 months. There was no internet, no one to tell me anything, I just rode and learned on my own.
Never bought another running bike until my kids got near and over 18. I rode mountain bikes for 25 yrs while my kids were growing up. I have been injured several times (commuting, hitting cars, etc, 15k miles on one bike!) on the mountain bike, sewed up pretty good once, only minor injuries on motorcycles. But I dragged the kids all over with a baby bugger behind the bicycle, they always had a blast and so did I.
I was in big brothers for 10 yrs just before my daughter was born, started with an 8 yr old who lost his dad in a motorcycle crash when he was 3. When you see how it affects kids, it makes you think a little harder about what your doing. That kid wanted nothing more in life than a dad.
Gave up skydiving too, when I had kids.
Reel forward to lets see, about 48 yrs of age, I bought an FZ1 and put 40k miles on it. Sold it and bought the 2002 LTC, 60k miles now. No accidents, a couple of slow speed low sides, no injuries to speak of (a bruise).
I will never quit riding now, even if it kills me
But..been there, I can understand the concerns because I've lived them.
Good luck on your decision...geo