Honda Magna... good bike!
I only ride when it's 65+ outside and isn't threatening rain... so definitely not every day. I get MAYBE six months of time that I can ride based on temperature alone. Yeah, I'm a protective bike parent / riding pussy. don't keep my bike outside even overnight. I own a cruiser and I'm a conservative rider... two things that mean I'll have a lot less issues than a hothead on a Ninja. I also don't like wearing ridiculous amounts of clothing while riding... so rain gear and a snow parka are not things I wanna don for a relaxing cruise.
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Oh-shit! moments: Since I got it in 2007, I've had two really close calls on my bike by idiots in gigundo SUVs. It rattled me but didn't discourage me from riding. I wear a full face helmet, armored gloves, and some heavy leather Chippewa harness boots. I should probably wear my leather jacket more often for safety purposes, but I'm young and stupid and like the feel of the wind on my chest.
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If you enjoy the Magna... keep it and use whatever close calls you've had as learning material. You're doing all the right things as far as safety gear and attitude. There is a certain level of risk associated with being on two wheels: if you can't accept it after carefully weighing the options, switch back to a car. Dirt bike would be a fun toy but isn't as useful as a road bike. There is freedom on the highway found only on two wheels.