Ride exlusively on my CFR roadbike to work. Its fast and light, and I manuever in traffic just fine. I use a backpack and really do not have a need for racks. I have a titanium mtb from bikesdirect that I use for foul weather. I live in Morocco (job) and the drivers here are absoulutely stupid or arrogant. I am not sure which or maybe combination of both, but quickness and manuerverability is my key to safety. I am fortunate that I don't have to lock the bike and can pretty much park it anywhere on the embassy compound.