In general, yes - you have to be more aware of other traffic on a bike than you do in a car/truck. Crashes happen, regardless of who's at fault - the axiom about types of riders above is very true, all you can do is be as prepared as possible. Good riding habits and good gear will go a long way towards helping to minimize the potential impact. I don't feel concerned or unsafe each time I get onto the bike.
I do a couple trips a year, but I'd say over 60% of each year's riding is generally "commuting" - just back and forth to work, visiting family, running errands, etc. I've been down multiple times, luckily at low speeds and relatively minor incidents. Starting out on an inexpensive and used bike was a big part of what I wanted, I expected that at some point while learning I'd end up falling at some point and didn't want to feel bad about falling over and scratching it up.
Bike maintenance is important....well, car/truck maintenance is important, bike maintenance is significantly more than just "important". Improper maintenance can lead to either breakdowns at inconvenient areas/times, or can also lead to crashes depending on what component fails. You have to be able to trust what you're riding on, especially if you intend to do any long trips. I expect based on the fact that you're spending time here that you would be keeping up with the maintenance, but it's also something to consider for whatever bike you buy, as not everyone feels the same way.
I figured I'd spill for a lower cost used bike until I get used to it. I'll also take the course before really starting out. Most say they love it but you just have to look out for yourself by keeping alert of other drivers.
This is a good plan, it's a lot of investment to get involved particularly if you end up finding out after only a few rides that you don't enjoy it. A lower cost used bike is also a good way to start, especially since different styles of bikes behave very differently and you may not end up liking the first one as much as you thought.
Should you decide you do enjoy it and want to get a bike, be prepared that all of your relatives/friends will have "known someone" who had a bike and was involved in an accident. For whatever reason they will often feel compelled to tell you these stories to the best of their ability, which generally focuses only on the fact that the rider was injured/killed, with no explanation regarding how this actually may have occurred. As I mentioned above, defensive riding is your friend and can help to limit the severity of many circumstances.