I'm 65. I started bicycle commuting about three years ago on "bike to work day". I ride about 27 miles round trip twice a week. Here in So. Cal. I can more or less ride year around. I started riding for my health. Was 390 with a heart rate of 85 sitting. Now, I'm 250 with a heart rate of 56 sitting. I'm still fat but more comfortable. I've had my share of almost(s): cars, other bikes, and mostly people walking the bike path. Overall, I feel bicycle riding is safe and enjoyable.
Also: My daughter and I have developed a habit of biking to breakfast on Sat. mornings.