I am of the opinion, not backed up by facts but viewing, that unless you are extremely unlucky or in a tiny town, you can easily get the 37 steel need for a moto exceedingly quickly now. I have seen a half dozen vending machines, all broken, and well over a dozen street lights in the small part of the town we have explored on day 1-3. Granted, I have yet to verify in the xml files, but on average I expect to get about 1.5 steel(based on A19 expectations) from each of those using a wrench, so more than enough for a moto.
Acid and/or wheels are the hold up now(I saw your lower comment about the perk book for more harvest acid.. good RNG!) Frankly, I have told people I know EXPLICITLY to not craft bike or minibike as that completely wastes those precious wheels you need later for a moto