Like I said, our friend Bevo should be alone shortly to help out. I would put more miles on but I don't need any legal problems. I live in Harford County but the locals call it Hazard County the way the cops seem like they're always out to get you.
As far as the 20% go, I think that # is much higher. I have talked to people MANY people who have ridden without a motorcycle endorsement their entire life. In MD, if the bike/scooter is over 49cc you have to have a license. There are a ton of people who ride bigger scooters without that endorsement.
All I can say is to take care and ride safe!
"By failing to prepare, you are preparing to fail." -- Benjamin Franklin