Putting aside the fact that riding a scooter looks gay as fuck...

>buying the scoot
>when the mana exists

Op, scoots are surprisingly uncomfy, you won't believe how much having a tank to grip with your legs is useful

Get this, a bike with a CVT (no gears) or an honda NC (DCT)

Scooters are only good when super low and laid back

See this, a properly sikk scoot
Even then, i'd change that seat, but we digress...

Or this, honda's integra/NC platform in cruiser form

Scoots run always at max rpm...

Lowering the final drive ratio will make it unusable in the city and generally kill acceleration across the board

Malossi overdrive a better and cheaper

Blemp

Looks gay.

>what are exactly the cons compared to an average motorcycle?
Basically limited to 35MPH roads due to road conditions and their small tires. Any faster and you have a wreck situation from sequential road conditions.
Careless drivers in newer limited-visibility cars might not see you. They will hit and run you.
Some drivers passionately hate scooters and may force you off the road.
No freeway driving.
Can't drive it on many fast non-freeway roads
The homeless will mug you for that scooter.

>Easily solved with a top box or panniers
Scooters suffer from pannier wind sail because the smaller wheels don't give as much gyroscopic support. You can add them, but that doesn't make it right with those tiny wheels.

Dumb question: Do I have to pay insurance on a scooter like I would a motorcycle?

>what are exactly the cons compared to an average motorcycle

It still needs a motorcycle parking space as it is too big for the bicycle parking area.

Before you get one, make a list on paper of all the typical places you normally go to. Now, for each location, write YES or NO next to the entry if you can get to them going scooter speed on the roadway. If you can legitimately ride the scooter at a normal scooter speed, then that is good. If you cannot, then that destination is not a good reason for you to get a scooter.

Those 50cc scooters get horrible gas mileage if you factor in how little power they have. Especially if you get a two stroke.