I've been there and got the T shirt.
I bought an SV650 after passing my test and for at least a year it will be all you'll need. Will out accelerate a Ferrari up to about 70 and can easily reach over 120 mph. Will corner better than you for quite a while.
Commuting by bike won't save you any money, nor will it save you much time when you include changing into and out of bike kit. In the winter a journey of about 40 mins will be the most you can comfortably do without getting really cold.
You WILL have an accident. Hopefully it will be small and you won't get hurt. By a bike without a faring as they're expensive to replace.
BUT it is fantastic fun, and I can thoroughly recommend it.
WEAR EAR PLUGS
PS my SV650 is for sale soon:- 2001, tatty, cheap, about to be MOT'd, near Bath