Thanks for your post.
Really don't know the expense of repairing. Only some scratch on surface, no concern for a safety riding if I just ride it without any fixing. But it's very sure that it will lost value when I sell it next summer, for I plan to upgrate to a mimum 650 cc engine then.
plus, the helmat is damaged, no confident to use it any longer, will cost around $100.
Agree with 多想無益 but just can't help myself from all kinds of wild-guess. I really dislike wild-guess. That's why I came here looking for help, try to have myself more rational, to convince myself to feel more comfortable and overcome the current situation.