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Rapha of motorcycling...
What lynx said.
Bear in mind lots of kit is more expensive anyway. Decent jackets don't have to cost that much, but everything else adds up.
Having done the CBT+125, then Direct Access I'd say it's 100% your preference which is better. Going straight to DA will likely be cheaper as you only have to buy and insure one bike - even if you need more lessons.
The big plus of riding a 125 cc for a while is getting hours on the bike, which ultimately improves your riding.
Worth adding that some 125's will do +70mph. They just tend not to feel as stable or safe. If you do buy a 125 and have to ride at higher speeds I'd really recommend choosing a faux racing bike. They may look a bit naff, but they tend to go faster, have better brakes and more importantly a fairing - which helps no end.
hugo7-
I think I'll wait till I've done the CBT to decide but I'm leaning towards direct access, just got the thumbs up from Mrs Hammer to use a week of holiday for it... Now just need to rustle up the cash.
Is there any reason not to get a bigger bike other than the temptation to nail it and consequently run out of skill?
Dramatic_Hammer
Please tell me there's no Rapha of motorcycling...