It is like compairing horses & cages.
They are that far apart. I have a '91 2600cc Mazda 4X4 & insure it all year around. It gets me to the gun range & back with all my shooting equipment, targets, holster rigs, ammo, etc., both Summer & Winter. It provides me with a dry ride when it is pouring rain & safer ride when winter hits, etc.
My m/cs (only insured from March till November) are for my pleasure to be ridden when I so feel. Prior to '90 I also had a variation of dirt comp bikes ------ so it is that different that one does not compare them for it would be like comparing a cage to a horse that one likes to take care of & ride.