Greg,
I'm really sorry for your frustration. You've gotten all good, rational answers here. I started out 'just riding' my 750Four this past August, with only that intention in mind. I'm working on a different project, but more as the helper to an experienced PO.
Well, I soon found out my 'just a ride' Honda had all sorts of problems. I started tinkering out of necessity. I needed my bike for the commute. I have found all sorts of things wrong and wronger as I go. What surprised me is that working alone in the garage, bit by bit, was quite therapuetic. I was scared to death to get in there and work on stuff I knew nothing about; on a bike that I NEEDED to have running for transportation (my car was nearly totalled and in the shop for a month).
As of now, I have a bike with fully repaired and working electrics. I have things working that didn't even work when I bought it. Some simple tasks improved engine performance and reliability enough to get me to the winter. I even just cleaned up and repaired some stuff that shouldn't have been neglected (like a battery box full of corrosion that I didn't know about). Now I'm getting ready to work on the carbs.
In the process, I've discovered garage therapy; and I have the satisfaction of having fixed up my bike. It's still ugly; but when folks stop and ask about it (other riders always stop to admire these bikes) I can say that it's mine, and it serves me well because I've worked on it.
Think about it. You *might* be surprised, like I was. Your bike doesn't have to look and perform like some of the works of art on this forum. You might find a patient project can have rewards and benefits beyond riding it when you're done. You'll certainly get lots of coaching on this forum when you need it.
BTW, the 'two bike' solution doesn't sound so crazy, either. But I would have the mechanic do only a minimum of stuff that requires really specialized tools or skills, and you can learn while doing most of the rest. Even when the mechanic is going to do work, you can do all the prep and disassembly and reassembly, and save a bundle on labour fees (to spend instead on parts and tools!
).
Just another set of thoughts for ya...
Good luck!