Some of us are not willing to ride on hilly, slippery, mega dark roads all year round.
It is not the cold that makes me chicken out, it is not the darkness, it is not the water, neither is the careless cagers riding vehicles too big (and too fast) for their skill.
Is the combination of all of the above. It only takes one cirscumstance to place one self in a bad situation for someone else to screw up your life.
Riding is about risks, a calculated one, and riding at night on lonely frozen roads is not pleasurable nor nearly as safe as riding in fair weather with daylight.
I made a concientious desicion on commuting by bike, and I make a concientious decision on doing it by car. It is not hard if you are willing and able to spend a substantial amount of time riding instead of whatever other activity that you might find pleasurable. Sometimes it is a matter of urgency were you might need a car (depending on what geographical area) but the "hard" part of the commuting I do not believe.
Gear down and slow down.
It gets easier that way.
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