Risk vs reward vs how much BS do I want to put up with.
I don’t find riding on normal/local roads with angry/aggressive drivers very rewarding, and comes with higher risk. Riding my normal weekly rides on the same bike path - over and over and over isn’t very rewarding, some reward - but not much… but lower overall risk in terms of getting hit by a Suburban.
I’m ok with taking more risk for roads with higher rewards - like riding the mountains or rolling countryside.
yes, my worst wreck was on a gravel trail… but no dump trucks to worry about.
It’s a balance. My fitness/health rides are “safer”, but I leave in some adventure…