Short term-wise, bike commuting is my only "high risk" activity considering the unpredictable drivers out there. I'd get my will in order if I ever need to get on an unfamiliar and dangerous road, or take a taxi (think John Nash ). But long term, we are likely better off than many. Maybe some day when we are 90 we'll ask: Is today the day when I can't ride bike any more?

p.s. Here in NYC people get pushed to death from subway platforms by strangers.