Caller, I think you've hit the nail on the head regarding Hua Hin. I have friends living there and I visit about once every few months. It’s a nice place with lots to do but it is over-priced for what it is. The traffic at weekends is awful due mainly to the lack of infrastructure. That said I enjoy a few days there as it feels like a holiday resort with its restaurants, coffee shops and abundant streets to explore.
I've had few experiences with the police since I've been here but the ones I have had have been utterly gut wrenching. They're to be avoided at all costs. There is no level low enough to which they won't reach if they feel like it. I'm afraid I can't find any rose tinted glasses anywhere when it comes to talking about this mob. To me they are the scurge of society in any Thai town. However, to avoid as much trouble as can be avoided I'd suggest wearing your helmet, getting your license and being legal - all things you'd do in the UK anyhow.