If you bother to do the math, but simplify things so that all the mass of wheels is at the contact patch, you'll end up that rotating mass has twice the kinetic

If you bother to do the math, but simplify things so that all the mass of wheels is at the contact patch, you'll end up that rotating mass has twice the kinetic energy and takes 2x effort to accelerate and decelerate. Now if you check how large fraction of the mass of rider and bike the wheels are and how fast bikes accelerate, it's kind of insignificant.