I have no fears for my personal safety. But when I ride through the city, my city (while big to me) would be tiny to you. So the only 'danger' I ever think about is the danger that comes from ignorant motorists.

And when I don't commute to work it is for 1 of 2 reasons. 1) I have graduate courses after work or 2) I'm lazy. Sometimes it's a mixture of both.