I was going to say that Terror and tf15pin have hit the nails on the head. Myself, I went and bought a brand new ZX-14 like an idiot and didn't carry full coverage since I didn't have to. Dumped it after hitting some fine sandy stuff in the road going in a curve and it did a lotttttt of damage that I have had to take care of out of my own pocket. Now I wish I would have bought one that was a few years old since it wouldn't have hurt me monetarily when I laid it down but you live and learn. Go to the dealerships, find out what they have and what they'll let you demo. Sit on every bike that you might think you are interested in and maybe some that you think you are not. You might be surprised to find that one bike that you weren't too keen on may be the best fit for you, it's all personal preference like Terror said. When you do find what you want, new or used, shop, shop, shop around. Play other dealers against each other, you'll be surprised what you can get them to do some of the time, especially with a new bike. I did some checking online when I bought mine and had the local dealership drop the price down by around $2,500 when all was said and done. If you find someone trying to sell theirs, see if they'll let you take it down the street, some might, some might not especially if they don't really know you.
As far as gear goes, like everyone has said, wear all of it all of the time. The day I went down was a hot July day and I wasn't wearing my jacket. Luckily I went down in grass and rolled more than I slid so I had just a little bit of burn on my left elbow and side from the grass rubbing me. Had I had my jacket on I might not have been burned so bad or I might have but I learned my lesson, I'd wear it all the time. Find you a jacket with a removable liner, even though your in the northeast, it will still get a little steamy in the middle of summer. Shop around for all of your equipment, most online stores will be cheaper than a dealership but the dealerships might come down just the same as I mentioned about the price of the bike. The only piece of advice I will give and some might not like it that have them is, do not, do not, do not buy a full face helmet with the flip up chin piece. They are nice and handy if you are going slower and want to get some air so you flip up the chin, but like the guy at the dealership showed me when I bought my helmet, the piece is held on by plastic, guess what the first part that will go flying off the helmet is if heaven forbid you smack the road. Plus he was putting his hands on the sides and showing me how much they flex compared to a regular full face helmet, in the end, I like my pretty face too much to get one of those flip up style helmets, but it's your call they might be better built by now.