Thank you for fleshing that out. It would seem that experience, as in most endeavors, plays a significant role. It also leads me to wonder about the type of roadways the cyclists are using. I would expect the accident rate for even experienced commuters in urban areas to be higher than that of club riders, who have the option of seeking the best places to ride. I happen to live in an area most favored by local club riders as there are almost endless miles of lightly traveled roads.