my commuter mindset? I ride with my head on a swivel, and always give right of way to cars at intersections. come to think of it, I'm always halfway on the brake approaching intersections. I follow all the same road rules as the cars of course, and I make sure both myself and my bike are visible (to the point I've put reflective tape on the stays of my rack, on my frame, fenders, and at 2 opposing points on my wheels)