Ha! Really! You just need to get those brakes going. Not to say maintanince isn't good but if it aint broke don't fix it. Speacially that head set it can be a challenge for a newbee
I was one once,bearings and things will fall out of there. If it aint grinding or hopping up and down it will be fine.
Not stopping properly is a conciern,if its just noise you can get away with it,but need to address it at some point,it will still go
I've been riding off road most my life and you would be suprised at how much abuse these bikes can take. (not that i condone it on a scooter) Ha! but these things are built pretty well.