If your bike commute is longer than your driving commute, then how are you saving 3 hours a week? Like you, I also commute about 1.5 hours a day instead of 30 minutes driving, but it does take about an extra hour of my "free time" per day to commute by bike, as opposed to driving. But I was going to spend that hour in the gym anyways, so I'd rather spend that hour on the road, with the wind in my face, than in the gym breathing in other people's evaporated sweat. I believe the savings of bike commuting to be about the standard mileage compensation of $0.55 per mile, or about $10 a day for a 20 mile RT commute or about $1,500 per year (for an 8 month commuting season, in New England). And that $1,500 in savings is the amount that I've convinced my wife to let me spend on biking gear each year, since that's the break even point.

Sometimes I will encounter a cyclist who "needs" to cycle, as opposed to doing it by choice, like me, and I've never considered for a moment that they would be offended. The same way I'm not offended by someone who has possessions that are better than mine, I'm jealous maybe, but never offended.