Same problem I need to look into on my GS500F, low RPMs sound deathly, but high RPMs sound like its working so hard (probably all due to being a cage driver

).
But yes, I second the people that say start on a 500cc. I took the MSF class, did very well but fell apart for test time and just barely passed, my personal comment from the trainer was "You are very teachable," which probably summarizes as "you were the worst, but had a good attitude." I thought for sure on the last day of class that I wouldn't be leaving the parking lot on my bike for weeks. In other words, I did not feel very confident at all.
What I did know is that the price difference between used 250cc and 500cc is minor, and I was already being sort of financially stupid buying a bike- I wanted one that I would not get bored with, even in a year, with lots of riding, I figured I might be ready to upgrade from 500cc, but it should at least still keep me entertained.
I am very glad I started with the 500cc. I think one thing people fail to think about is, yes, top speed on even a 250cc bike is high. The idea though that you can get into more trouble on a 500cc is not as likely as I think some push it as, from what I have observed. The trouble at least I frequently see mentioned is basically panicking and giving way too much throttle, or being unable to control throttle, etc. Yes, a 500cc is going to be more powerful than a 250cc, but its not like going down the road in third gear you are all the sudden going to throttle it into 60mph in the blink of an eye, not without shifting. And at highway speeds on my 500cc you certainly don't go from 60mph to 100mph with an accidental twist of the throttle.
Lastly, the kind of problems a more powerful bike can cause, like excessive speed. Are caused by stupid and overconfidence. And you can't fix that- if you have that problem, you are going to have that problem on a 49cc scooter. I am glad I started on the 500cc, I can see more being a bit much, but I know less would have been disappointing. With one caveat, I am looking at potentially lots of freeway riding. If it was purely to get around town, I might have a different opinion. BTW: Asterisk on the end of all this is of course, I am a noob. Been riding, what, a week, or is it two? Time has its way.
EDIT: Okay I would like to add I can see where the excessive throttle issue in a panic could come into play on a 500cc. But don't forget you cannot always brake your way out of trouble either, sometimes the answer is more throttle.