i don't like riding my wife's scooter for the same reason. i mean, i love RIDING it, but she loves it and i would feel terrible if i somehow botched up and had to "lay 'er down"
so i tend to not ask to ride it. also, i mess up her weird mpg calculations and she gets cranky. (NERD!)
i'll do bike test rides IF AND ONLY IF they have insurance such that if i somehow do drop it, i am not required to buy the bike, AND if the dealer is in a location i am very familiar with. this lets me experience different bikes and fuel my fiscally irresponsible fantasies. recently, i've test ridden a triumph street triple r, a triumph daytona 675, and a ducati diavel dark (omg amazing). good times and cheap entertainment!