to park on the road, pretty sure you'll need all 3, as you need mot and ins for the tax to be valid = otherwise it's SORN
however renting a garage from the council( or a local / neighbour) could make that AND the bike secure for relatively little money.
consider the fact - fixed vs unfixed is @£800 margin on your panda
KIT;
I'd want a NEW helmet and gloves,
the 2 things that'll hit the ground 1st - and are the most important to you,
but the rest goes OVER your normal clothes , and is out in the weather so "barely used" can be a bargain,
both jacket and trousers will have "armour" on all the ( your) joints, elbows , knees , hips, elbows, shoulders
I've still got 30 year old scars from a 10 mph moped tumble in denim,
so any UK vehicle has the potential to give some serious "gravel rash".
personally I would get a 125 cc 4-stroke motorcycle,
as they are a better physical size , have bigger - more stable- wheels, and are MANUAL , so can be bump-started if necessary ,
scooters tend to be all twist'n'go - AUTO, and have smaller wheels,
Weather protection - marginally better with a scooter - but if it rains you get wet,
and COLD - well that's a "given".
I've owned a bike since I was 5,
gave up road riding when I was 18 ( car) , but have had trail / enduro bikes since,
change of job in mid-thirties meant I bought a new Supermoto for the daily commute, 20 mile journey 1 hour saved - AND FREE parking.
did 4 full summers and winters,
then changed job again, bike sat unused for 6 months so sold, and just have fun projects now,
my "NEW" kit at the job start was bought in a Half-price Jan sale, and has lasted 15 years without issue.
I bit of advice :AVOID Chinese made,
in the UK they are 1/3 of the price new, and the quality is "patchy" at best,
used Japanese is a far safer bet, as you'll be able to get parts for it far easier.