To only ride bikes is difficult in north america. Very few places allow year round riding. Weather affects a bike more then a car. The contact patch for your bike tires is about the size of a silver dollar. Just keep in mind a bike and a car are two very different things.
I live in Ga and I ride year round. Only time I am on 4 wheels is in the rain.
titanic3, if you are still in the process of learning to drive a car, hold off on the bike for at least a couple years. Get to know the roads first, it is an entirely different world on 2 wheels. When your driving, pay attention to motorcycles, and watch how most(99%) people dont notice them.
As far as gear goes, you really cant put a price on it, helmet, leathers, boots, gloves.. they are all priceless on a bike, especially in the learning stages.
NOT