Normally I would jump at saying go for the FI . However one concern I would have with what you said.
“i don’t really want to spend more time warming up the bike than driving!”
It is a rare point brought up here in BBM, but one that comes to mind that I feel bares saying. If your that much of a hurry…. stick with the car. In the time it would take a carb’d bike to warm up, allows for you to get in the mindset of what you are fixing to do. Also gives you time to do a pre ride check each time. Slow down a touch and get your mind right, get your mind in the ride and the attention it needs. Jumping on and going will leave you wondering if you remembered all that you needed for work/school/play etc. instead of focusing on that car to your left that might not see you. Or getting mentally awake enough for your motor skills to do a full systems check.