Whatever you do, don't listen to Quiggles, a Ninja 250 is not a waste of time or money. I bought one for $2700 rode it for about 5000 learning miles and sold it for $2650. I now have been riding an F4i for the last 2 and a half years. The minimum safety gear you should be wearing is a FULL FACE DOT or Snell approved helmet, good leather gloves, and a leather or textile motorcycling jacket. (also you should be wearing boots, but I don't want to be a hypocryte, I don't wear mine for commuting only if I go riding in the canyons)
Again the Ninja 250 is a GREAT learning bike, also the EX500, and SV650 are good too especially if you will be doing a lot of highway riding or live in a really windy area. Get the book Proficient Motorcycling by David L. Hough, it will give you tons of information about how to ride safe on the streets.
If you have any more specific questions just ask.
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