OP I passed my test at 40 (4 years ago) as a typical middle aged crisis biker though I did need something to commute on as well.
Lots of ground covered already in this thread but a couple of observations:
A lot of bike gear is crap. Expensive and crap. Crap jackets which aren’t waterproof and don’t fit properly for £250 etc. Same goes for boots gloves etc – compared to mtbing kit lots of it is useless and not fit for purpose. I can’t believe bikers have put up with it. Just be careful what you buy unless you can afford Rukka or one of the other top brands – even then a lot are massively overpriced
The exception is Kriega which are fantastic and worth every penny
Buy an ‘adventure’ bike or fit crash bungs – this way you can drop your bike as many times as you feel like it.
Always carry a headtorch and a high viz vest. This way when you breakdown you will be visible