that question just shows how messed up our country is (usa). (i assume that) the only reason you have motorcycle insurance is
a) liability is probably required by your state... you can get cited by the police for not having it (and if your state is technically advanced the dmv will find out if you have no coverage and suspend your registration).
b) collision may be required if you have a loan on your bike - if you don't have the coverage the bank will buy it for you and charge you for it.
neither m/c insurance is necessary for your survival, but you are essentially forced to purchase them. there are consequences for not having the insurance that affect you in immediately, regardless of whether you have an accident or not. no such motivation exists to buy health insurance - there are no consequences for not having it _unless_ something happens that causes you to need it. so even though its more important to personal survival, it gets neglected by many healthy people.
you're not a douche for making a logical decision based on the situation as presented to you (but it is still a bad decision).
if the potential for financial ruin following an accident doesn't motivate you, try this: i picture myself helpless and unconscious while some emt's try to decide what to do with me... take me to the awesome private hospital where people get fixed, or the crappy county hospital where people die from neglect.
one day you may want people who don't know you to expend every possible resource to save your life if/when you need it, and (given the cost) that really is a lot to ask if you haven't made any arrangements to pay for the service (imho).