Motorcycle and Scooter appreciation

Can you not go 125 or 250 even? 50cc are really gutless.

You can have fun on a scooter. Get the cheapest one going and modify from there to increase power.
They aren't complicated things so big bore kits and even whole engine (rear end) swaps are easily done.
I don't know how your insurance would fair but I wouldn't tell them, but that's up to you.

Do you wish to progress to something bigger? If so look at potential resale value and buy what you want if you're not keeping it for too long. Canadia is going to be pretty miserable for (motor)biking of any sort pretty soon, I suspect, so there may be some good pre-owned deals to be made before the weather improves. Buy it, ride it, get some experience, get something bigger.

In North american traffic on a stroad your gonna be in a world of danger (caused by others driving style and road design) on a 50cc. Most 50cc can barely get to 30mph/50kph at all, let alone quickly enough to be not flattened by a pickup truck.

If you live in one of the smaller towns that still have a real main street and suburban roads then your probably fine. Quite a large number of small CC bike guys in USA + Canada and they swear by them, its totally area /street condition in your area dependent.

If you can get your basic license allowing a modern water cooled 125cc , you'll be fine, most of them are 10-15hp which will get to 30mph faster than most folk no problem and will still cruie on main roads at 55-65 mph for hundreds of miles without drama. Just don't expect 65mph + real speed in any kind of head wind or any gradient. Can travel the world on a bike that can do that as mostly your just pottering small roads at 40-50mph or less.