C'mon Klayfish, join the Geezer Insurance Adjusters Who Ride group.
Pick up a copy of "Proficient Motorcycling" and read it. Nothing against the MSF course but the book has way more useful info than you'll learn in their class (and still take the class).
Stop by some dealerships and just sit on several different styles of bikes, even types you don't think you'd like. Pay attention to the ergonomics and how easy or difficult they are to pick up off the sidestand. How does the weight FEEL just sitting astride it? The 'style' of bike for a beginner matters far less than how it will feel.
I like 'standards' and have sat on or ridden lots of different ones. Some I just can't feel comfortable on (Yamaha SR400) while others will feel like they were made for me (Kawi Z900RS). You may think you want a cruiser like the one you linked until you sit on it and find that it is actually pretty uncomfortable (or the opposite). Everyone's ergo needs are different.
Don't pay attention to displacement...much. A Suzuki TU250X is a surprisingly capable bike and has much better performance than my Royal Enfield Bullet 500. That said, I would not explore anything bigger than a 650 for a new rider. More displacement comes with more weight to manage.
You can get used gear from FB Marketplace, ADVrider.com and other sources for way less than buying new. I have three different jackets, none bought new. Three sets of pants, two were new. Two sets of boots, one was new. Cycle Gear probably has a store near you and their stuff is affordable and decent quality. I even bought a helmet from them as it fit my weirdo egghead better than the name brands.
Your first week/month of riding will be scary once you realize just how exposed you are. However, if you are a racer and have developed good situational awareness you'll spot potential dangers no problem and avoid them easily. I typically ride in the mornings on the weekends to avoid traffic and stick to more remote two lanes. Just as in racing sometimes stuff happens you have no control over. I hit some oil in a turn this past fall and went down. Got a broken hand out of the deal. ATGATT prevented road rash but couldn't keep the handlebar from slamming into my thumb.
Oh, and no open face helmets!
I slid along on my chin bar after I fell. Note also the small tear in the riding jacket. The gear works.
So after having broken my first ever bone did I want to give up riding? No. Freak accidents can happen anywhere. The joy of riding is immense. It clears the cobwebs from your brain because so much is 'running in the background' while you ride just to keep the thing upright. They are great mental therapy. I only started riding when I was late 40s and it probably my favorite pasttime now.
"When the quest for safety gets in the way of the enjoyment of life, it is defeating it's own purpose."--Pat Ertel, Vintage Truck magazine