Aufitt: TBH, I think you're trolling because if you had read the posting it would clearly indicate that I already have an MSF BRC course taken and passed and that I am getting a CBR250 simply because I am not comfortable with my level of riding skill, especially with larger bikes.
About the speed = safety issues; speed doesn't always equal safety, especially in the hands of an inexperienced driver, but say you're on the interstate and you're squeezed between a truck and a cager tailgating you. There isn't enough distance to be safe, so the correct thing to do is to change lanes or pass the truck, but as a cager, what I'd do would be to make sure the coast is clear, indicate signals, change lanes, then pass in front of the truck to increase visibility and perhaps get enough cars between myself and the truck until I have a safe distance between both myself and the vehicle in front of me and the vehicle behind me. With a CBR250, this is going to be a bit tough due to lack of acceleration at high speeds, especially if you sprocket shift to increase fuel economy at the expense of torque. The other thing you can do is to let the truck et al pass you, but if you're already in the right lane, where are you supposed to go? The lane to your left is moving faster, so you're both going to slow down traffic and pose a collision risk to the vehicle behind you, and while you can run off the road, ummm, good luck getting back on, and it's going to be dangerous riding the shoulder to squeeze in behind the cager.
Pillion is supposed to be way more dangerous than actually riding the motorcycle, because in many collisions the pillion will go flying. Supposedly the statistics say that in cases where 70% of riders are expected to die, 100% of pillions will go dead, so except at low speeds and safe roads I wouldn't carry pillion myself, and even then, I'd either pass off my safety gear to equalize the level of risk or get a separate set for the second rider.
About the clutch, it was supposed to be a panic stop because my turn was way too wide, but first, the clutch, according to pro-riders, is critical for low-speed control because you're already at such a low throttle point, but what basically happened was that as my hands reached out to grab the front brake, my hand also pulled the throttle along with the clutch, and I accelerated. If I had a clutch available and could pull it as part of braking, what happened with the throttle would have been irrelevant because the engine would have been disconnected from the wheels, and I would have safely and controllably braked instead of hitting the throttle as well. If I need to ride scooter or DCT, this'll be an issue, but with manuals it shouldn't be that bad.
The point of the airbag suit is that when you're sent flying, you will bounce, instead of crunch, which will reduce the level of injury. It's used not only for racing, but also for horseback riding, and in both those cases it's been a significant reducer of injuries (horseback riding, believe it or not, is actually pretty dangerous with a death rate comparable to Ecstasy use). Alpinestars' suit doesn't come with a neck brace, but Dainese' does, so if you get the Alpinestars suit, you will need to get an additional neck brace.
I went over the Hurt report and the types of injuries that kill people on motorcycles, and I'm guessing that if airbag vests are used, you can probably hope for a 10% reduction in fatalities. The main benefit of airbag suits / vests, so it appears, is not the reduction in lethality, but rather the reduction in injury in non-lethal accidents; in many cases, what would result in a 2-3 month stay in the hospital and a possible retirement from riding can be easily commuted to a brief check-up and a 1 week recovery time.