I've been commuting for almost 2 years. Had some jacka$$ kids throw a firecracker at me once last year and almost got doored once by a vehicle in the middle of a 3 lane road. Oh, and some lady cut across me turning right a couple months ago but I was ready for her and was able to avoid hitting her.
I have yet to go down on a ride...knock wood. I'm riding at least 3 times a week now and last week I rode in 4 days straight (20 miles round trip).