Where I live: Up until Jan.'07, I had lived in Duluth(Minnesota; I had lived there since Nov.'02). The terrain was a mix of brick, concrete, asphalt and, dirt roads. Being a 'roadie', I obviously stayed off the dirt. The worst part in the city was the cracks in the asphalt.
I live in the DC suburbs again. Biking around here, it is asphalt everywhere. I have to be more aware of drivers around here, than I did in Minnesota. Because, just yesterday, a passenger in a passing car tried to cause me to fall off my bike. When he shouted at me, I didn't flinch.
Christopher