Get a honda XR 250 with the lighting kit...
If you do happen to pick up a Ninja, go with the non 08/09 model. Even if the older ones are a bit less stylish...they are cheaper, and have a couple more horsepower. It will tip over in the parking lot, or while you're sitting on it, or in a slow corner. That is guaranteed!!!
Compare plastics prices from roughly 150 for a lightly scratched entire front piece for a 2007...to a whopping near 300 for just one side plastic for the new models.
You can find nearly everything you didn't want to know about them here -
http://forums.ninja250.org/
Can't say enough good things about the Ninja really...except being young and foolish I would like a little more power.
Pick one of the older models up, and use the money you spent to pick up a good street helmet and armored jacket. You can ride without a chest protector in the dirt, crash, and survive with a few scratches, get up and laugh it off. A small tip over on the pavement, at even 10-15 mph can kill you without a helmet (not every time, but very very possible). If you aren't wearing anything more than a jeans and t-shirt when you tip, you'll have a nurse kindly scrubbing the road rash from your body with a scotch-brite pad. No joke.