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I've been riding for 6 years and I still don't have a license so I've never had a real bike of my own. I have a few dirtbikes though. Gone through a couple yz250s and now I'm on a KTM 150sx and 250sx. Other than that, my brother won't let me touch his Ducati Monster lol
Funny you say that, in South Africa, there is absolutely no incentive to actually get a permanent license (I don't care about carrying a pillion). So I would just end up rewriting my learners every time that it would expire. The insurance company didn't care if I had a full license or not; they simply cared how old I was and how long I had been riding for.