I'm also female, and I had never thought of being worried about safety in the attacked and ***** sense until yesterday. Some guy drove really slowly by and made obscene comments the whole time. Eventually, my ignoring him made him leave. But!.... last night I did call a soccer player friend to have him teach me head butting. My theory is, I'm wearing a helmut, they are probably not (unless robbing a bank), the plan is to use my noggin, literally. I've also decided that I can't spend every min of every day worrying, so I don't.
PS I ride on streets mostly