Don't trust anything you hear at a dealer. Most dealers, anyway. I am fortunate enough to live near not one, but two pretty honest ones, but that's mainly because I live in a good scooter market, and the businesses and their salespeople are not hurting.
I couldn't tell your location but it sounds like your laws are like mine. The 50cc scoots, while cheaper and easy to derestrict, will not do what a 125 or 150 can do without being loud, obviously modified and nearly as expensive. I say get the license, avoid the non-licensed rider price markup on the 50cc bikes. I also have a 600cc late-model motorcycle, and live in a place where each has it's purpose. There are a lot of jaunts where I wouldn't consider the big bike, and a lot where I wouldn't consider the little bike. I would like a 50 if I had one, but for what one costs, plus the time, effort and money to make it traffic worthy, I'd go with a more powerful scooter.
Caveats would include: Students on small or rural campuses. (Campi, or campae? I am not terribly well educated...) People who have a dire need, financially motivated, to travel a short distance frequently. And hard-and-fast budget limitations. If a 50 is all that's in range, you're getting a 50.
But on the subject of Kymco, I like you am unyielding. A comparable deal (used, generally, but reasons to buy new abound...) on another brand/model may occasionally arise, especially if you have a lot of tools and a lot of time, but no one makes machines this nice for these prices.