Right, basically what I'm saying. For me, if my only way to feel accomplished is to endanger myself, well - I try not to place myself in a situation like that. It's much more difficult to engage in my family life, work, and hobbies while dead. That's the theory anyway. I suppose I may have a different style of risk assessment/management if I somehow lost my family, job, ability to pursue hobbies - but OTOH if I lost my job I wouldn't have any place to commute to. Don't get me wrong, I like to ride my bike but so far the only thing it has saved me from is being fatter and more depressed. I saw some article today about a study that shows that most cyclists have deep emotional bonds with their bikes. Not me. I just don't want mine stolen.