How easy is it to drop a bike?

I'd like to buy my first 125ccm scooter or a motorcycle - mainly for city driving. I never rode a motorcycle before (but have rode bicycles). I was wondering how hard is it to drive them? I watched quite a few motorcycle accidents on youtube and it seems like it's very easy to drop a bike (even at low speeds). Not to mention if there is some gravel / slippery patch on the road (that you can't always see). Also a lot of people are saying that dropping a bike when learning is inevitable. Is that true? I would like to not get a kasko insurance or wear all gear all the time (it's not freedom if you have to wear all the gear even for short trips to the grocery store) but if it's that easy to slide / drop a bike then I guess I'll have to do both.

What do you think? Please educate me.