Just to add on to what the rest mentioned, do not fetch any pillion as it will affect the weight, handling and braking.

Usually it will fog up when you are stationary but pinlock does help. Just a note of caution if you are wearing prescription lenses then pinlock might give you some glare when it is dark and might be irritating to some riders.

Be like some of the riders i know here where they just ride through the rain and only use the raincoat if it is raining in the morning to head for work. Will be showering anyways when you get home so not much difference.

No harm asking the shop to fix the pinlock then test it out and if there is a distraction can always ask them to remove it again before you leave. Always happens in darker environment with bright lights but if seldom ride at night then should be safe.

That is a good idea but sooner or later will be riding in rain especially when you are caught off guard in the middle of commute

Your bike preference might change the more you ride as you will know what type of riding is more suitable and enjoyable for you

It all comes down to how well you know your bike. The more you ride the more confident you are to 'cilok' with panniers. I always ride with panniers cause lazy to keep removing and re-installing. First few times might be a bit cautious but once you get the hang of it it becomes second nature. Once you are used to riding with panniers and when the panniers comes off, you will feel like as though the bike is small or maybe it is just me

The only difference between the faring and naked bike is that when you turn the handle bar the front end doesn't move like a naked. That too will need time to get use to as well.

I agree with Jaycee. I use my full face and gear up daily even if only going around my neighborhood on my little 125 riding 2 up. Sure it is a bit troublesome but most accidents happen around 10 km from your home. Not risking anything after 2 accidents.

Speaking about losing consciousness, I did lose my consciousness for 15 mins during my last accident and that was with a full face and not high speed. Don't remember how it happened and what I was doing. I only knew I lost consciousness when I called the missus to inform about the accident, and she told me I called her a few moments ago.

A broken bone is indeed easier and faster to heal than road rash.