I chose the 3rd answer. Taking subway would be faster and most likely safer for me, but by riding bike I don't have to breathe the foul subway smell and be overwhelmed by the crowd, will have less odds to be close to crazy people (we're talking about NYC). Now that the MTA raised the subway fare, I have just one more reason to ride my bike. But mainly, for me, it's a matter of feeling more comfortable and pleasant to ride bike than taking public transportation.