Re: My situation; legal questions about Ontario
The laws in Canada are different than in the states. My understanding is that you can not legally build a gas powered bike in Canada. Nothing home made. You can do an electric bike. However, now you're talking a bunch of money again. What would the insurance run you on a 49cc moped... a used one... vintage with a title and which can be tagged and insured? I think this might be your best bet unless the insurance is so high that an electric bike is less expensive. I don't think you need either license or insurance for electric under a certain power. Pretty restrictive up there..
Someday when I grow up I will probably lose interest in toys with wheels, but until then...