^ Riding at lunch may be more workable than you think. Bring the bike with you on the car. You don't have to take a shower after; towel off, baby wipes suffice.
And with the right set of intervals you can accomplish a lot in 45 minutes. So, if you schedule your day with a mid day break, you'll get home a little later, but you'll also have your ride for day done when you do get home.
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You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.