My commute is 15 mi one way. Depending on the road I take 7 to 10 mi is through the inner city.

Being inconspicuous is not an option - wrong color, wrong bike, wrong gender, wrong age. To reference tsl - WTF factor is off the charts.
I stick to arterials and do not dare to venture even a block off the main road, nor to get stuck after dark. Also invested in puncture-resistant tires - budget be damned.
So I pedal real fast, stay sharp, mind my own bidness, and look like I can afford best attorney in town.

However, local culture seems to appreciate an ample derriere in Lycra, so the worst I had so far is - how predictable - is "nice azz".

SF