No worries! The Morale change was born from me reading Mork completely wrong for almost a year, and then I decided I liked my way better and stuck with it. It keeps everything on the d20.
$195 is totally fine for a motorcycle with seat and sidecar.
I think I ultimately caused myself some problems by setting Cthork ambiguously in the whole 1920s rather than picking a specific year, since automotive prices shifted over the course of the decade. A car that was $450 at the start might be $250 by the middle, and there were motorcycles going for $300 in the late 1910s and $100 in the late 1920s. And this isn't even factoring in used models, special sales, haggling vs sticker price, etc.
In general re: equipment costs, I think as long as it's within a loose ballpark of what feels appropriate, it's fine.