...sensible stuff from a professional US driver...
Shawn, your situation genuinely sucks, having to be so careful all the time.
Here in the UK, 17mph above the posted limit is an automatic trip to a court room, regardless of your type of licence. The fine is then calculated as a percentage of your
weekly income, then you get to pay victim surcharges (even if there was no victim) and court costs on top of the fine. If you're lucky, and you sufficiently beg to the magistrate, you get to keep your licence.
I know this, because I came from a 70mph area, late on the brakes into a 30mph area (in the car)... clear road, but I wasn't looking for the guy holding a laser hiding in a bush. He jumped out and tried to flag me down, but I was going too fast to stop in time, so I spun around and came back to hold my hands up. He showed me the laser gun that read 50mph. I was 3m into the 30mph zone when he tagged me. That cost me £1400 GBP, and my choice to hold my hands up immediately, according to the magistrate, is why I kept my licence and saved myself around £3000 GBP.
30s & 40s, I'll stick to the limit, anything more than that, I'll use fair judgement and take my consequences. Advanced courses I've been on with police officers have done exactly this, and haven't battered an eyelid while we've been offsiding into bends north of 100mph. If it's good enough for them, it's good enough for me.
To the OP... your insurance situation sucks too, and in your shoes, I would probably be thinking about selling the bike too. Thankfully, for us in the UK, insurance is still a customers market (too many companies selling it), so for my ST13, I currently pay £113/year (with a clean licence), declared for 25k miles/year commuting.