
My only experience with this is that if the engine is over 50cc it’s no longer a moped and requires a motorcycle licence.
Have you considered an electric bike or scooter?
As for winter, I’ve cycled for a decade through Dutch winters and the only investment I required was a proper raincoat and pants to keep dry. More often than not I didn’t need any winter coat underneath it if I was wearing a jumper, but that was me as a teenager cycling. Not sure if that applies on an motorised bike.
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