I'm cautious by nature but I know the difference between reasonable vs. unreasonable risks. Riding my bike in traffic is a reasonable risk, as long as I am cautious and aware of my surroundings and don't act like a fool. Riding in traffic at night without lights and reflective clothing is an unreasonable risk since I don't need to be riding at night -- I work during the day and I own a car. I could take a walk around the neighborhood instead, and the car that might hit me on the bike could just as well jump the curb and hit me on the sidewalk. I am willing to take reasonable risks after evaluating the benefits. In the case of cycling, the odds are high that I am improving my health and well-being while the odds are much lower that I will be hit by a car while doing so.
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Specialized Roubaix Expert
Surly Long Haul Trucker