I take the bike to the small service every six months (Easter/October). I also always change the tires from summer tires to endurance tires or vice versa. The spare parts have so far cost me a little more than a complete set of decent winter tires for the car.
Fortunately, I had no problems with the engine so far.
My wife orders the weekly groceries home every 1-2 weeks. The delivery fee for purchases over 150.- is only 4.95, which easily pays for itself with the drive and the parking fee to the nearest shopping center (8km). In addition, in this setup i also have to carry the purchases only from the front door to the basement.
Edit: We use Public transportation a lot. For the normal bike we use the Thule Chariot Sport as a trailer. For the daily needs (fresh bread, somtimes mising butter or milk...) we shop localy in th village, also with bike and backbag or the biketrailer.
I understand exactly what you mean. The insurance for me (accident-free and driving safety course) was 500.-, plus road taxes of c. 250.-... and that every year...
Thank you:) Thanks for the recommendation, i checked it out!