Durability, reliability, etc? Eyeing one of these to get something that just works on a budget.

You hear a lot about close calls and danger when looking at motorcycles from the outside. I'm looking at motorcycles now for the first time, and my wife is concerned. As I just want a chill cruiser, I thought maybe some perspective from actual riders might help with the perceived danger. What do you guys think? Do you have any stories or opinions? Anyone experience any accidents that armor/air vests came in clutch? I appreciate any insight you guys may have!