Oh, that's good to know.

I wouldn't expect 1 to 1. From their point of view, it's fair, that some students purposely went for B-full lessons with zero experience and caused damages to the learners bike. A damaged bike upsets other schedules, too, not to mention exam slots.

Fair enough, if they know you need extra guidance before handling a 200kg bike. Perhaps, set aside underbone with clutch just for this kind of learners would be better also.

Some other countries allow to use own bike, but that's a different culture altogether.

What you mean 'affordable'? If you mean brand new, yes is true, quite pricey.
If second hand, 1~2k also got.
Modify underbone to manual clutch also can.