I think the same thing, my commute is 4 days a week, 65 miles one way, mountain roads. I went from a 15mpg truck to a 23-26mpg car recently, love it. Even that, with the car payment it is about a wash moneywise based on $3.50 gas. Gas goes to $5 I win obviously. I have thought and thought about a bike, I really want a big dual sport. This area is bike mecca, it sucks in tons of baggers and the BMW dual sport crowd, not too many power rangers though.
Factors against:
-I'm already pushing my new car on occasion, just so I still know how to drive. 3am I can see headlights and there is not much out there, I can squeak some tires and link some turns so a 25 turn mountain gets done in about 18. It's a little dicey to get a scandinavian flick right on an AWD car, but it's doable.
Even with a 20 year old F-150 I've seen few people who could pace me through the hills. So with a bike, lacking airbag and such, do I have enough self control to just putter along?
-By the time I'm done buying Bell Kevlar, insurance, and some AeroStitch I am out a lot of gas money.
-120 miles per day is a lotta bike maintenance.
-Tiredness at night and deer. Again, a minor inconvenience in a car, a little worse on a bike.
Of course I know of someone who rides over the same mountains regularly. On a freakin moped!!! I guess if you don't have a license and still want to go you do some tarded stuff.
I will still get a bike, but once I am debt free and have enough 4 wheeled stuff so there is no have to in my choice to ride.