Maybe it's time to get a pushbike?

Owning a vehicle of any description is never cheap. You always have to budget for tyres, servicing, tax, insurance etc

I guess if you plodded home at 10-20mph then you may be ok but get pulled over by the police (attracting attention to yourself doing that speed) then you are looking at points and a fine and even worse, a prohibition on your bike.

It's your shout at the end of the day.