I'm generally on the road about 20 minutes after I get up, unless I am in a hurry in which case it's 10 to 15 minutes.

I only have one bike, and I can only remember one time in the last 5 years of riding that there was a problem with it in the morning, flat tire. I changed the tube and was out the door with about an 8 minute delay (a little faster than my normal tire change because I have an air compressor in the garage). Generally I pull the bike out, cram my bag into the pannier, clip on my helmet, turn on the lights, adjust the mirror and go.