First off........... WELCOME TO BA!!! Sorry about your bad luck, glad your doing well after that accident. You'll find plenty of friendly people here who love Triumphs, riding, and friendship who are always eager to lend a hand or atleast some sound advice.
Triumph's are great motorcycles...don't hesitate....BUY ONE

and you'll look like

all the time!! Honestly the chain is probably just cheaper to manufacture but the maintainance is almost nothing. Clean and oil occasionally and all is well. Today's chains are internally oiled and sealed so they last a long time with little wear, upkeep. I have never had a problem starting my speedy even though it is "carburated". I've started it up in temps in the high 30's lov 40's with no problem. Simply pull out the choke, let'er run for 30sec and you are good to go! Gives the bike a little more character too not that it needs more character.... you will have hoards of people looking at your bike all the time so get used to it! I don't know if you've ever seen the blue and white America in person but trust me, it looks even better in person! The bonneville family of bikes are bullet proof, practically maintainance free rides that are absolutely sweet to drive and look at. I have two suggestions 1) BUY ONE!! 2) spend the few extra $$ and get an aftermarket pipe right out of the box, you'll be happier. Best of luck, hope this helps!