Why not just follow the example of the one bike commuter -- buy a cheap disposable bike, ride it until it gets trashed, and then get another one? Frankly, if I worked at a site where people's property was getting trashed, that would be reason enough to ride my bike and keep my car safe at home. You could buy several year's supply of yard sale bikes for the cost of one "keying" or tire slash. You also would go through the day without worrying about expensive damage.

As for the sweat issue, just roll up your suit jacket, put it on the rack, and ride at the same effort you would use if walking. You may be surprised at the outcome. I am fine after a 5 mile ride to work here in DC. Howeve, I am soaked after walking 3 blocks to the metro for a meeting.

I think you should stop worrying and just do it. You may find the obstacles less daunting than they seem.

Paul