I carry 300K liability 100K property damage, no uninsured, no collision or comp (theft). Costs me $290 a year (two liter bikes). Clean record, 40 yrs old…
I have health insurance, longterm disability, and 1MM in death/dismemberment. Wear full gear no matter how hot.
Not sure what more insurance is smart to add, umbrella? I am less worried about myself and more worried about covering another persons loss. Does any homeowner insurance kick in after 300K?

As far as living forever, you ride a moto you take your chances. I typically ride at the crack of dawn while fewer are about, and roll back into San Diego extra carefully. Enjoy your rides mate.